DocuSign is changing how business gets done by empowering more than 300,000 companies and 200 million users in 188 countries to send, sign and manage agreements digitally - anytime, anywhere, on any device with trust and confidence. DocuSign helps keep life and business moving forward.

Allen C. Ewing & Co. has provided investment banking services to its clients for 40 years, and has specialized in serving the banking industry in Florida. Ewing has been active in underwriting public offerings of Florida community banks and thrifts, and has represented over 60 Florida financial institutions in merger transactions. The firm provides fairness opinions, valuations of shares of closely-held banks and thrifts, ESOPS, market appraisals for community banks and thrifts, and commercial real estate brokerage.

Many core systems provide tickler systems to help remind financial institutions that it is time to request annual financial documentation but they don't provide an easy way to produce notification letters, overdue notices and track request and what has been received. Cumulus Radar provides an easy-to-use, affordable solution that streamlines the time consuming task of requesting and tracking supporting financial documents (Financials, Tax Returns, Extensions, Insurance, etc). Customer Management capabilities allow consolidation of requested financial documents, so when the same borrower, co-borrower or guarantor has multiple loans, it will create a single request. Notification letters can be customized to include logo's and dynamically include the loan officer , branch or assigned contact, required financial documents and the due date. We are working on integration's with core systems to provide automated bi-directional updates. Let us help you reduce the time and effort in producing these required notifications! www.CumulusApps.com

Directed Capital is a U.S. national distressed asset workout specialist firm that opportunistically acquires, manages and repositions distressed commercial mortgage loans in the $1 million to $10 million range. Operating in the alternative investment space, Directed Capital has consistently provided its investors with superior returns that are traditionally uncorrelated with the market.

FHLBank Atlanta is a cooperative bank that offers competitively priced financing, community development grants, and other banking services to help member financial institutions make affordable home mortgages and provide economic development credit to neighborhoods and communities. The Bank's members - its shareholders/customers - are commercial banks, credit unions, savings institutions, community development financial institutions, and insurance companies located in Alabama, Florida, Georgia, Maryland, North Carolina, South Carolina, Virginia, and the District of Columbia.

Redstone Funding is an affiliate of twenty-four year old Redstone Investments, a full-service real estate company with offices in Tampa, Florida. Today Redstone owns 3.7 million square feet and manages and additional 1.5 million square feet through its management affiliate, Redstone Commercial.
Affiliate Redstone Funding acquires commercial loans directly through its relationships with various financial institutions. While Redstone has the experience and expertise to deal with foreclosed real estate, its primary objective is to realistically project cash flow in order to restructure debt for a win/win outcome for both lender and borrower. As global economic uncertainty remains prevalent, government regulation continues to negatively affect credit markets and a "tidal wave" of commercial mortgage debt matures, Redstone believes opportunity for continued investment in debt instruments remains a solid platform from which to grow. Currently with existing mortgage assets throughout the southeast Redstone Funding looks for first-lien debt of all performance levels throughout the eastern seaboard.

Stifel is a full-service wealth management and investment banking firm, established in 1890 and based in St. Louis, Missouri. We offer securities brokerage, investment banking, trading, investment advisory, and related financial services through our wholly owned subsidiaries. Stifel's Fixed Income Group provides the foundation on which we have built our client-centric fixed income business. The Team's unique regulatory and capital markets expertise combined with a philosophy of customized analytics enables Stifel to provide clients with the research, insight, and strategy based on their individual needs. It is this focus that differentiates us in the marketplace.

Invictus Consulting Group® has pioneered methodologies that have changed how banks approach strategic and capital planning, stress testing, asset loan management, and mergers and acquisitions. We deliver our groundbreaking bank analytics and strategic advisory services to the approximately 6,500 community banks in the U.S., as well as D&O insurers and regulators.
We consider the impact of regulatory capital requirements in every analysis. Our patent-pending forward-looking analytics allow banks to tell regulators and investors how capital will fare in strategic plans – whether it’s organic growth, a merger or acquisition, or even a dividend payout. Our groundbreaking analytics facilitate individual and relative analysis of bank capital adequacy, pro forma performance, and calculations of a bank’s FreeCapital™.

TIB is a full service bankers' bank, providing correspondent banking products and services to nearly 2,000 community banks in 50 states across the country. In addition, TIB is owned by more than 480 of the very community banks it serves. The Bank was chartered in 1981 and has been the "trusted partner" of independent banks of all sizes for over 30 years. Our customer banks have come to know us as a "strong, stable and secure" partner on whom they can rely in any economic cycle. TIB can be found on the internet at www.mybankersbank.com.

We have provided services for many of the nation's largest lending institutions, as well as smaller, more localized banks on projects ranging in size from $500,000 to over $200,000,000. Our understanding of a lender's interest during the construction process has resulted in an enviable series of successful relationships that continue to expand. We take great pride in our ability to move quickly on the issues that matter the most to a client, lender, or investment firm, and to keep them appraised constantly and accurately on the status of construction projects.

DocuSign is changing how business gets done by empowering more than 300,000 companies and 200 million users in 188 countries to send, sign and manage agreements digitally - anytime, anywhere, on any device with trust and confidence. DocuSign helps keep life and business moving forward.

John Dixon & Associates (JDA) is a full service real estate auction firm with offices in Florida, Georgia, Tennessee, North & South Carolina. JDA serves the needs of financial institutions, REITs, hedge funds and government agencies across the U.S. with real estate disposition solutions. No matter how many or how few properties you may have, with our single institution auction events to the JDA Quarterly Multi-Seller platform we have a solution for you. Call Buddy Lee at 850.765.2353 to learn more.

CRI is a is a top 20 CPA and Advisory firm in the United States, serving 28 markets across 11 states. With almost 2,000 professionals, we are a leading provider of professional services to over 200 financial institutions in the Southeast ranging in size from small community banks to multi-billion dollar regional bank holding companies. CRI provides a broad range of services to both private and publicly held institutions, including opinion audit, income tax, internal audit, regulatory compliance, loan review and information technology services.

CliftonLarsonAllen is a professional services firm highly specialized in the banking industry. Structured to provide clients with industry insight, the firm delivers assurance, tax, regulatory compliance, information technology, and advisory services. We will help you meet the challenges of a changing environment.

Crowe Horwath LLP is one of the largest public accounting and consulting firms in the U.S., providing audit, tax, advisory, risk and performance services. Our banking industry focused team of more than 550 professionals serves more than 1,800 financial services organizations. In Florida, Crowe has worked with over 100 financial institutions ranging from de novos to multi-billion dollar holding companies. Crowe's full range of services include assurance, risk consulting solutions (internal audit, compliance, loan review, stress testing), tax, financial advisory, and a wide range of consulting services specifically geared towards the financial institutions industry.

Computer Services, Inc. (CSI) is a customer service company that delivers innovative technology solutions to financial institutions nationwide. A total solutions provider, CSI offers core processing, managed services, mobile and Internet solutions, payments processing, electronic and print distribution, and regulatory compliance solutions. With 50 years as an industry leader in innovation and service, CSI serves financial institutions as a trusted technology partner that understands their needs and delivers solutions that empower them to be more competitive, compliant and profitable

DocuSign is changing how business gets done by empowering more than 300,000 companies and 200 million users in 188 countries to send, sign and manage agreements digitally - anytime, anywhere, on any device with trust and confidence. DocuSign helps keep life and business moving forward.

The banking industry is complex and rapidly evolving. You deserve the right team with the right leadership to serve you. More than 150 financial institutions, large and small, depend on our Financial Services Practice for personal attention, industry experience and services including external and internal audit, SEC reporting, taxation and compliance. With a 70-year reputation and a team of more than 100 professionals serving financial institutions, we help banks operate stronger, wiser, better.

Enterprise Risk Management (ERM) is an Information Security and IT Risk Management consulting firm that serves clients in 22 industries for the last 19 yrs. Services include strategy, assessments, remediation, implementation, digital forensics, products and security awareness training. Our approach is to help organizations reduce risks, achieve their objectives, and manage the unknown.

Focus Audits, a Limited liability corporation (LLC), is a provider of Audit Services, Compliance Services, and Independent Risk Consulting for the Financial Services Industry. We help clients identify, assess, and manage operational and technology risks encountered in the industry, and assist in the monitoring of those risks.

With offices in Fort Lauderdale, Orlando and Tampa, Hacker, Johnson & Smith PA is the leading provider of independent audit and tax services to banking institutions in Florida, providing these services to over sixty banking institutions throughout the state. We pride ourselves on having a thorough understanding of audit, accounting, tax and related business and regulatory issues relating to financial institutions. We have extensive experience with both privately and publicly held banks and thrifts, as well as unitary and multiple holding companies.

Kaufman Rossin is one of the top 100 CPA and advisory firms in the U.S. The firm's banking team has significant experience working with regulators and assisting financial institutions, domestically and internationally, in assessing compliance programs, investigating complex money laundering and fraud schemes, and implementing corrective action to comply with enforcement orders.

Mauldin & Jenkins, LLC provides a full range of services including audit, tax, internal audit, risk management, compliance, loan review, information technology and consulting advice to publicly and privately held financial institutions throughout the Southeast. For 100 years, M&J's financial institution expertise has represented a pool of resources that allows us to customize services to meet your institution's specific needs. Our goal is to build relationships and continue our tradition of success one satisfied client at a time.

Mazars USA, LLP (Mazars) is a leading international accounting, tax and advisory services firm with over 17,000 professionals worldwide. Mazars has a dedicated and expanding governance, risk and compliance (GRC) bank consulting practice. In Florida that practice is primarily focused on banking and includes risk management, internal audit, compliance and loan review services. We have offices in Fort Lauderdale, Miami, West Palm Beach and Sarasota.

Our firm is a full service audit, accounting, tax and consulting firm. Since our inception in 1999 we have specialized in providing high quality, personal services to financial institutions. We have extensive experience in performing external and internal audit services, compliance monitoring and evaluation services relating to BSA/AML, BSA system validation, consumer and lending regulations, loan portfolio quality reviews, information technology audits and systems evaluations and disaster recovery audits.
Our staff of over 50 professionals performs services for community and regional financial institutions. We have assisted numerous banks in complying with Consent Orders and Cease and Desist Orders from State and Federal Regulators.
We are an independent member firm of Polaris International an international association of independently owned and operated CPA Firms with over 200 member firms with representation in 90 countries throughout the world.

Pearigen & Associates is a professional consulting firm dedicated to providing quality internal audit, regulatory compliance, independent BSA/AML/OFAC reviews, forensic audits/reviews, loan quality reviews, IT audits, independent NACHA/ACH reviews, Board of Director and employee training, and other audit consulting services to financial institutions. In this fast-paced environment of regulatory change, we provide an "internal audit function" to assist and counsel management rather than only assuming the role of another external reporting entity. Banks find it cost-effective to retain the services of experts with extensive backgrounds in both Bank management and industry audit experience. We are also available to assist in the completion of specific projects, or help with internal control or compliance issues identified. Phil Pearigen, owner of the company, is a certified public accountant, with 30 plus years of experience in community banks. The primary associates hold various regulatory certifications, and have held bank officer positions at a variety of levels throughout all areas of banking, in addition to many years of both internal and external audit experience.

PricewaterhouseCoopers has a global network of over 200,000 people in 150 countries working collaboratively to solve our client's complex business problems. Our Financial Services industry practice consists of more than 2,500 professionals in the US and 34,000 globally. In Florida, PwC's banking industry practice encompasses more than 100 professionals, including eight partners, who serve a wide range of premier banking and financial services clients.

SBS CyberSecurity (SBS) is a premier cybersecurity consulting and audit firm. Since 2004, SBS has been dedicated to assisting organizations with the implementation of valuable risk management programs and to mitigating cybersecurity risks. The company has provided cybersecurity solutions to over 1,300 organizations across the United States and abroad, including financial institutions ranging in asset size from $12 million to over $20 billion. SBS delivers unique, turnkey solutions tailored to each client's needs, including cybersecurity risk management software, consulting services, network security, IT audit, and education. SBS CyberSecurity empowers customers to make more informed security decisions and trust the safety of their data.

Who Is Strategic Risk Associates (SRA)?
SRA is a national consulting and advisory firm specializing in the banking and financial services industry. Our team has the credentials and experience to help solve your issues and build your franchise. We provide fast, efficient, and practical M&A due diligence, loan stress testing, loan review, ERM Watchtower Online, risk consulting, internal audit, loan review and cybersecurity services, and our analysis and recommendations will be direct, unequivocal and based on best practices.

Warren Averett is a nationally recognized firm ranking among the nation's largest firms and serving some of the South's largest companies (see rankings below). In addition to these rankings, Warren Averett is a registered member of the Public Company Accounting Oversight Board (PCAOB). We are also included among the AICPA's Major Firms Group, an elite group of privately owned accounting firms. Membership in this prestigious group affords Warren Averett the opportunity to exchange views on particular issues with other substantial accounting firms throughout the U.S.

HTx Services is a global IT infrastructure and ATM Services Company. We provide a full suite of technical and consulting services that are designed to ensure that your firm is prepared to take advantage of the technology enhancements of the future.

MPA Systems, Inc. provides modular bank buildings for financial institutions, and offers enrollment in our Disaster Recovery Program, which guarantees delivery of a fully-equipped unit in the event of a disaster. MPA’s modular units are available for lease or purchase and combine portability with the integrity of a permanent structure.

OmniMetrix created the first wireless monitor for on-site power generation, setting a new standard in remote monitoring. OmniMetrix has remained the industry leader ensuring generator reliability, providing valuable data insight and providing a cost-effective, easy-to-install solution. Our solutions can prevent up to 95% of a generators fail-to-start event.

Computer Services, Inc. (CSI) is a customer service company that delivers innovative technology solutions to financial institutions nationwide. A total solutions provider, CSI offers core processing, managed services, mobile and Internet solutions, payments processing, electronic and print distribution, and regulatory compliance solutions. With 50 years as an industry leader in innovation and service, CSI serves financial institutions as a trusted technology partner that understands their needs and delivers solutions that empower them to be more competitive, compliant and profitable

DocuSign is changing how business gets done by empowering more than 300,000 companies and 200 million users in 188 countries to send, sign and manage agreements digitally - anytime, anywhere, on any device with trust and confidence. DocuSign helps keep life and business moving forward.

Finastra unlocks the potential of people and businesses in finance, creating a platform for open innovation. Formed in 2017 by the merger of Misys and D+H, Finastra is the third largest Fintech company in the world. We deliver the broadest portfolio of mission critical solutions for financial institutions of all sizes, on premises or in the cloud. Trusted by more than 9,000 financial institutions, government agencies and corporations across 130 countries, our solutions accelerate growth, improve experience, optimize cost and mitigate risk. We have a diverse customer base including 48 of the world's top 50 banks. By placing our clients' needs at the center of everything we do, we help them expand their services and increase value faster.

FIS is a global leader in financial services technology, with a focus on retail and institutional banking, payments, asset and wealth management, risk and compliance, and outsourcing solutions. Through the depth and breadth of our solutions portfolio, global capabilities and domain expertise, FIS serves more than 20,000 clients in over 130 countries. Headquartered in Jacksonville, Fla., FIS employs more than 53,000 people worldwide and holds leadership positions in payment processing, financial software and banking solutions. Providing software, services and outsourcing of the technology that empowers the financial world, FIS is a Fortune 500 company and is a member of Standard & Poor's 500® Index. For more information about FIS, visit www.fisglobal.com.

TIB is a full service bankers' bank, providing correspondent banking products and services to nearly 2,000 community banks in 50 states across the country. In addition, TIB is owned by more than 480 of the very community banks it serves. The Bank was chartered in 1981 and has been the "trusted partner" of independent banks of all sizes for over 30 years. Our customer banks have come to know us as a "strong, stable and secure" partner on whom they can rely in any economic cycle. TIB can be found on the internet at www.mybankersbank.com.

USAA Federal Savings Bank ("USAA") is a federally chartered savings association located in San Antonio, Texas. USAA and its subsidiaries provide deposit products and loans to active, former and retired members of the U.S. military and their families.
USAA's deposit products include checking and savings accounts, CDs, and credit cards. USAA deposits are insured by the Federal Deposit Insurance Corporation up to the applicable limits.
USAA also offers car, truck, boat, and home loans as well as home equity lines of credit.
In addition to its call centers, USAA customers can contact USAA through its website and by mobile phones.

Absolute Financial Equipment is a full-service provider of banking equipment, specializing in fully refurbished or new ATMs. We provide your financial institution with complete solutions for all of your ATM projects from recommending the appropriate unit, providing the hardware, delivery, coordinating the installation, set-up and bring live, to on-going 1st and 2nd line maintenance. We also provide interactive teller ATMs, teller cash recyclers, cash counters, coin counters, pin encoders, kiosks, surrounds and other associated financial equipment and services. Let us help you with ADA and PCI compliance at your ATMs.

CashTrans serves over 1,200 financial institutions, retailers, small businesses and city/county governments across the Southeast. Since 1996, we have provided exceptional products/services, plus cost efficient high-quality branch and ATM equipment, ATM turn-key outsourcing solutions, ATM driving/processing, and consulting. As a Diebold Certified Dealer, we offer a full range of advanced Diebold branch equipment including, cash recyclers, safes, security systems, VAT Systems, custom solutions and more. CashTrans is also authorized to sell and service many other major equipment brands. Our clients deserve and expect only the best and we commit that we will earn your business every day!

CashTrans serves over 1,200 financial institutions, retailers, small businesses and city/county governments across the Southeast. Since 1996, we have provided exceptional products/services, plus cost efficient high-quality branch and ATM equipment, ATM turn-key outsourcing solutions, ATM driving/processing, and consulting. As a Diebold Certified Dealer, we offer a full range of advanced Diebold branch equipment including, cash recyclers, safes, security systems, VAT Systems, custom solutions and more. CashTrans is also authorized to sell and service many other major equipment brands. Our clients deserve and expect only the best and we commit that we will earn your business every day!

CBSi is dedicated to providing the best service and sales available for traditional and electronic bank security equipment. With an average for 25 years experience, our technicians can service ALL makes and models of safes, vaults, drive-up, alarm, DVR, & access control equipment. We have highly skilled service technicians strategically placed throughout Georgia, Florida and Alabama to provide an exceptional level of service. Our equally qualified sales consultants will provide the best solutions for all of your equipment needs.

DocuSign is changing how business gets done by empowering more than 300,000 companies and 200 million users in 188 countries to send, sign and manage agreements digitally - anytime, anywhere, on any device with trust and confidence. DocuSign helps keep life and business moving forward.

Finastra unlocks the potential of people and businesses in finance, creating a platform for open innovation. Formed in 2017 by the merger of Misys and D+H, Finastra is the third largest Fintech company in the world. We deliver the broadest portfolio of mission critical solutions for financial institutions of all sizes, on premises or in the cloud. Trusted by more than 9,000 financial institutions, government agencies and corporations across 130 countries, our solutions accelerate growth, improve experience, optimize cost and mitigate risk. We have a diverse customer base including 48 of the world's top 50 banks. By placing our clients' needs at the center of everything we do, we help them expand their services and increase value faster.

HTx Services is a global IT infrastructure and ATM Services Company. We provide a full suite of technical and consulting services that are designed to ensure that your firm is prepared to take advantage of the technology enhancements of the future.

Jack Henry Banking®, a division of Jack Henry & Associates, Inc.®, is a leading provider of integrated computer systems for banks ranging from de novo to multi-billion dollar institutions. Jack Henry Banking currently serves approximately 1,100 banks as a single source for integrated, enterprise-wide automation and as a single point of contact and support. Additional information is available at www.jackhenrybanking.com.

MPA Systems, Inc. provides modular bank buildings for financial institutions, and offers enrollment in our Disaster Recovery Program, which guarantees delivery of a fully-equipped unit in the event of a disaster. MPA’s modular units are available for lease or purchase and combine portability with the integrity of a permanent structure.

As a member of the Florida Bankers Association, your organization is eligible to participate in the FBA's national account group purchasing plan with Office Depot. This program provides your company with exclusive discounts on the office products you use every day, and best of all, there's no fee to participate. Access to the program is a free benefit as part of your membership in the FBA.
This program is designed to reduce your expenses and streamline your operations. As a result of participating in this program, members have saved an average of 30% over their prior office product costs. In addition to office supplies, the program includes office furniture, print/copy services, custom business forms, stationery supplies, promotional products, and lunchroom and janitorial supplies. This program also includes FREE next-day delivery for oders over $50 by Office Depot truck or UPS depending on location.
To begin accessing this program visit our online sign up page located Here

STS Group, formed by front-line technicians, understands customer service is top priority. With an intense focus on service, STS has experienced tremendous growth, becoming the Southeast region's strongest provider of financial security equipment and ATMs. With involvement in LSCU, CUES, and B2L, our reputation is quickly spreading throughout the region.

Albion Banking Solutions is an ISO 9001 Certified division of Albion Staffing Solutions, Inc. based in Coral Gables, FL and specialized in the provision of full service staffing solutions in the Banking sector including Temporary, Contract and Direct Hire services. For additional information, please contact Yesenia@AlbionBanking.com or visit www.AlbionBanking.com.

Banker's Toolbox provides tailored solutions for BSA/AML and fraud detection, beneficial ownership, OFAC scanning, and secure wire processing automation that are designed, supported and served by industry experts. With Banker's Toolbox, users are empowered with transparency, control over their systems and flexible deployment options, laying the groundwork for growth and success.

The Center for Financial Training (CFT) - provides financial services education, training and technology to financial services professionals throughout the United States and around the world. CFT is the largest industry-sponsored adult education program. CFT training and education programs provide job specific skills and knowledge to the financial services industry. CFT is the educational arm of the American Bankers Association and courses are part of a national continuing education curriculum. Completion of prescribed programs can lead to industry-recognized ABA/CFT diplomas and certificates, obtain nationally recognized designation, assist in professional licensing requirements and also meet college credit and degree requirements. CFT programs are available whenever and wherever you need them. CFT classroom training includes full-length and accelerated courses as well as seminars. CFT online training is both instructor-led and self-paced. Other formats include webinars, correspondence study, testing out and customized training for in-house presentation. Online courses are available on a per user basis or license agreement. CFT also provides High School programs such as the Future Bankers Camp, internships opportunities and Financial Literacy workshops. With over 114 years of experience, the Center For Financial Training is your leading resource for innovative education and training.

CliftonLarsonAllen is a professional services firm highly specialized in the banking industry. Structured to provide clients with industry insight, the firm delivers assurance, tax, regulatory compliance, information technology, and advisory services. We will help you meet the challenges of a changing environment.

A Florida Bankers Association-owned company, Compliance Alliance provides its members with an ever-increasing set of bank compliance tools and services to help them stay up-to-date with consumer and regulatory requirements. Compliance Alliance members enjoy a compliance hotline by phone, e-mail or live chat to answer compliance questions; unlimited submission of bank documents for review by in-house experts; and the most comprehensive list of tools for download and services including calculators, cheat sheets, check lists, flowcharts, forms, policies, procedures and more.

Crowe Horwath LLP is one of the largest public accounting and consulting firms in the U.S., providing audit, tax, advisory, risk and performance services. Our banking industry focused team of more than 550 professionals serves more than 1,800 financial services organizations. In Florida, Crowe has worked with over 100 financial institutions ranging from de novos to multi-billion dollar holding companies. Crowe's full range of services include assurance, risk consulting solutions (internal audit, compliance, loan review, stress testing), tax, financial advisory, and a wide range of consulting services specifically geared towards the financial institutions industry.

Computer Services, Inc. (CSI) is a customer service company that delivers innovative technology solutions to financial institutions nationwide. A total solutions provider, CSI offers core processing, managed services, mobile and Internet solutions, payments processing, electronic and print distribution, and regulatory compliance solutions. With 50 years as an industry leader in innovation and service, CSI serves financial institutions as a trusted technology partner that understands their needs and delivers solutions that empower them to be more competitive, compliant and profitable

DocuSign is changing how business gets done by empowering more than 300,000 companies and 200 million users in 188 countries to send, sign and manage agreements digitally - anytime, anywhere, on any device with trust and confidence. DocuSign helps keep life and business moving forward.

Our company has been serving Florida financial institutions since 1997. Our partners have the benefit of the years of experience as well as certifications from The Bank Administration Institute, the Institute of Certified Bankers and the Anti-Money Laundering Professionals Institute. Our Senior Partner has been dedicated to regulatory compliance since 1984. Assisting financial institutions with the compliance of Federal I State Deposit and Lending regulatory requirements has been always among our highest priorities.

FIS is a global leader in financial services technology, with a focus on retail and institutional banking, payments, asset and wealth management, risk and compliance, and outsourcing solutions. Through the depth and breadth of our solutions portfolio, global capabilities and domain expertise, FIS serves more than 20,000 clients in over 130 countries. Headquartered in Jacksonville, Fla., FIS employs more than 53,000 people worldwide and holds leadership positions in payment processing, financial software and banking solutions. Providing software, services and outsourcing of the technology that empowers the financial world, FIS is a Fortune 500 company and is a member of Standard & Poor's 500® Index. For more information about FIS, visit www.fisglobal.com.

Fiserv is driving innovation in Payments, Processing Services, Risk & Compliance, Customer & Channel Management and Insights & Optimization. A global leader in financial services technology, Fiserv is a FORTUNE 500 company and one of FORTUNE magazine's World's Most Admired Companies.
Our solutions help more than 13,000 banks, credit unions and thrifts, billers, mortgage lenders and leasing companies, brokerage and investment firms, and other business clients deliver financial services at the speed of life. Fiserv solutions enable our clients to create financial experiences that enhance the way people live and work today. Visit fiserv.com to learn more

Focus Audits, a Limited liability corporation (LLC), is a provider of Audit Services, Compliance Services, and Independent Risk Consulting for the Financial Services Industry. We help clients identify, assess, and manage operational and technology risks encountered in the industry, and assist in the monitoring of those risks.

Established in 1925, Gunster is one of Florida's oldest and largest full-service law firms. The firm is home to more than 170 attorneys and has offices in Boca Raton, Fort Lauderdale, Jacksonville, Miami, Orlando, Palm Beach, Stuart, Tallahassee, Tampa, The Florida Keys, Vero Beach, West Palm Beach and Winter Park. Gunster's Banking and Financial Services Practice enjoys an international reputation for quality and professionalism that stems from successfully representing some of the world's leading financial institutions. The practice is composed of culturally diverse and multilingual attorneys, and its members are committed to being at the forefront of legal issues affecting financial institutions. Our attorneys handle a broad range of matters, including mergers and acquisitions, SEC reporting and compliance, executive compensation, anti-money laundering, Bank Secrecy Act, OFAC compliance, lending, licensing, foreclosures, bankruptcy, lender liability, bank formations, tax, technology and employment. Members are active in numerous bank-focused organizations. Members also frequently speak on topics that are critical to the banking industry. Gunster is Florida's Law Firm for Business.

Hypur empowers commerce in cash-intensive industries by providing financial institutions the tools they need to provide these businesses the services they want while meeting or exceeding banking regulations.

Jack Henry Banking®, a division of Jack Henry & Associates, Inc.®, is a leading provider of integrated computer systems for banks ranging from de novo to multi-billion dollar institutions. Jack Henry Banking currently serves approximately 1,100 banks as a single source for integrated, enterprise-wide automation and as a single point of contact and support. Additional information is available at www.jackhenrybanking.com.

Kaufman Rossin is one of the top 100 CPA and advisory firms in the U.S. The firm's banking team has significant experience working with regulators and assisting financial institutions, domestically and internationally, in assessing compliance programs, investigating complex money laundering and fraud schemes, and implementing corrective action to comply with enforcement orders.

Mauldin & Jenkins, LLC provides a full range of services including audit, tax, internal audit, risk management, compliance, loan review, information technology and consulting advice to publicly and privately held financial institutions throughout the Southeast. For 100 years, M&J's financial institution expertise has represented a pool of resources that allows us to customize services to meet your institution's specific needs. Our goal is to build relationships and continue our tradition of success one satisfied client at a time.

Mazars USA, LLP (Mazars) is a leading international accounting, tax and advisory services firm with over 17,000 professionals worldwide. Mazars has a dedicated and expanding governance, risk and compliance (GRC) bank consulting practice. In Florida that practice is primarily focused on banking and includes risk management, internal audit, compliance and loan review services. We have offices in Fort Lauderdale, Miami, West Palm Beach and Sarasota.

Our firm is a full service audit, accounting, tax and consulting firm. Since our inception in 1999 we have specialized in providing high quality, personal services to financial institutions. We have extensive experience in performing external and internal audit services, compliance monitoring and evaluation services relating to BSA/AML, BSA system validation, consumer and lending regulations, loan portfolio quality reviews, information technology audits and systems evaluations and disaster recovery audits.
Our staff of over 50 professionals performs services for community and regional financial institutions. We have assisted numerous banks in complying with Consent Orders and Cease and Desist Orders from State and Federal Regulators.
We are an independent member firm of Polaris International an international association of independently owned and operated CPA Firms with over 200 member firms with representation in 90 countries throughout the world.

Pearigen & Associates is a professional consulting firm dedicated to providing quality internal audit, regulatory compliance, independent BSA/AML/OFAC reviews, forensic audits/reviews, loan quality reviews, IT audits, independent NACHA/ACH reviews, Board of Director and employee training, and other audit consulting services to financial institutions. In this fast-paced environment of regulatory change, we provide an "internal audit function" to assist and counsel management rather than only assuming the role of another external reporting entity. Banks find it cost-effective to retain the services of experts with extensive backgrounds in both Bank management and industry audit experience. We are also available to assist in the completion of specific projects, or help with internal control or compliance issues identified. Phil Pearigen, owner of the company, is a certified public accountant, with 30 plus years of experience in community banks. The primary associates hold various regulatory certifications, and have held bank officer positions at a variety of levels throughout all areas of banking, in addition to many years of both internal and external audit experience.

PricewaterhouseCoopers has a global network of over 200,000 people in 150 countries working collaboratively to solve our client's complex business problems. Our Financial Services industry practice consists of more than 2,500 professionals in the US and 34,000 globally. In Florida, PwC's banking industry practice encompasses more than 100 professionals, including eight partners, who serve a wide range of premier banking and financial services clients.

With three offices in South Florida, our law firm handles all types of commercial litigation, including in the areas of AML/BSA compliance, fraud prevention, asset recovery, creditor's rights, judgment collection, general commercial contracts and construction issues.

More information about the firm, including areas of practice and biographical information about the firm's lawyers, may be found at www.therhlawfirm.com

SBS CyberSecurity (SBS) is a premier cybersecurity consulting and audit firm. Since 2004, SBS has been dedicated to assisting organizations with the implementation of valuable risk management programs and to mitigating cybersecurity risks. The company has provided cybersecurity solutions to over 1,300 organizations across the United States and abroad, including financial institutions ranging in asset size from $12 million to over $20 billion. SBS delivers unique, turnkey solutions tailored to each client's needs, including cybersecurity risk management software, consulting services, network security, IT audit, and education. SBS CyberSecurity empowers customers to make more informed security decisions and trust the safety of their data.

TIB is a full service bankers' bank, providing correspondent banking products and services to nearly 2,000 community banks in 50 states across the country. In addition, TIB is owned by more than 480 of the very community banks it serves. The Bank was chartered in 1981 and has been the "trusted partner" of independent banks of all sizes for over 30 years. Our customer banks have come to know us as a "strong, stable and secure" partner on whom they can rely in any economic cycle. TIB can be found on the internet at www.mybankersbank.com.

Verafin is a leader in cloud-based, cross-institutional Fraud Detection and Anti-Money Laundering (FRAMLx) collaboration software with a customer base of over 1300 financial institutions across North America. Its uses cross-institutional, behavior-based analytics to help financial institutions stay a step ahead of fraud and BSA, USA PATRIOT Act, and FACTA compliance landscape, while allowing them to collaborate cross-institutionally. Verafin is the exclusive provider for the CBA, FBA, IBA, MBA, CUNA Strategic Services, a preferred service provider of the ICBA, and has industry endorsements in 44 states across the U.S. For more information, visit www.verafin.com/framlx, email info@verafin.com or call 866.781.8433

Warren Averett is a nationally recognized firm ranking among the nation's largest firms and serving some of the South's largest companies (see rankings below). In addition to these rankings, Warren Averett is a registered member of the Public Company Accounting Oversight Board (PCAOB). We are also included among the AICPA's Major Firms Group, an elite group of privately owned accounting firms. Membership in this prestigious group affords Warren Averett the opportunity to exchange views on particular issues with other substantial accounting firms throughout the U.S.

Computer Services, Inc. (CSI) is a customer service company that delivers innovative technology solutions to financial institutions nationwide. A total solutions provider, CSI offers core processing, managed services, mobile and Internet solutions, payments processing, electronic and print distribution, and regulatory compliance solutions. With 50 years as an industry leader in innovation and service, CSI serves financial institutions as a trusted technology partner that understands their needs and delivers solutions that empower them to be more competitive, compliant and profitable

DocuSign is changing how business gets done by empowering more than 300,000 companies and 200 million users in 188 countries to send, sign and manage agreements digitally - anytime, anywhere, on any device with trust and confidence. DocuSign helps keep life and business moving forward.

Finastra unlocks the potential of people and businesses in finance, creating a platform for open innovation. Formed in 2017 by the merger of Misys and D+H, Finastra is the third largest Fintech company in the world. We deliver the broadest portfolio of mission critical solutions for financial institutions of all sizes, on premises or in the cloud. Trusted by more than 9,000 financial institutions, government agencies and corporations across 130 countries, our solutions accelerate growth, improve experience, optimize cost and mitigate risk. We have a diverse customer base including 48 of the world's top 50 banks. By placing our clients' needs at the center of everything we do, we help them expand their services and increase value faster.

Fiserv is driving innovation in Payments, Processing Services, Risk & Compliance, Customer & Channel Management and Insights & Optimization. A global leader in financial services technology, Fiserv is a FORTUNE 500 company and one of FORTUNE magazine's World's Most Admired Companies.
Our solutions help more than 13,000 banks, credit unions and thrifts, billers, mortgage lenders and leasing companies, brokerage and investment firms, and other business clients deliver financial services at the speed of life. Fiserv solutions enable our clients to create financial experiences that enhance the way people live and work today. Visit fiserv.com to learn more

Main Street partners with the underserved, community-oriented financial institution who desires a personal customer service model in their checking, analytics, and marketing programs. Our simplified approach equips businesses with the information, tools and solutions needed to win in today's market. Whether you are trying to acquire, retain, or expand customer relationships, Main Street provides a cost-effective, straightforward, partnership to meet your goals.

DocuSign is changing how business gets done by empowering more than 300,000 companies and 200 million users in 188 countries to send, sign and manage agreements digitally - anytime, anywhere, on any device with trust and confidence. DocuSign helps keep life and business moving forward.

Heckman Law Group (HLG) is a boutique litigation law firm that represents financial institutions in state and federal courts throughout Florida. HLG's lawyers provide a full array of legal services and counsel in the areas of consumer and commercial collections, foreclosure, real estate litigation, bankruptcy law and related compliance issues.

Bank Compensation Consulting leads the industry with its approach to servicing its clients with state of the art plan design that assists banks in attracting, retaining and rewarding their leaders through: compensation consulting; design and implementation of customized Executive and Director benefit plans; Bank Owned Life Insurance (BOLI); and ownership succession planning.

Bank Financial Services Group (BFS) is a national firm with 11 regional offices that is in the industry's leading BOLI expert. BFS Group's national expertise has helped banks all over the country increase their bottom line earnings, increase shareholder value, and fund meaningful benefits for all of their employees. Through our regional managing directors, principals, and staff we have extensive experience in the financial services and banking industries. Our exclusive focus on community banks makes BFS Group uniquely qualified to design, implement, and manage BOLI investments to help drive the bank's bottom-line earnings.

CliftonLarsonAllen is a professional services firm highly specialized in the banking industry. Structured to provide clients with industry insight, the firm delivers assurance, tax, regulatory compliance, information technology, and advisory services. We will help you meet the challenges of a changing environment.

DocuSign is changing how business gets done by empowering more than 300,000 companies and 200 million users in 188 countries to send, sign and manage agreements digitally - anytime, anywhere, on any device with trust and confidence. DocuSign helps keep life and business moving forward.

Equias Alliance provides implementation and administrative consulting services for non-qualified executive/director benefit programs and bank-owned life insurance (BOLI) to over 1,200 banking organizations across the United States. Equias Alliance is an Endorsed Partner of the FBA and also has the exclusive endorsement of the ABA through its subsidiary, the Corporation for American Banking. In his 25+ years in this business, Managing Consultant Glenn Blackwood has worked with over 150 banking organizations in the southeast. Together with his colleague Joe Schaefer, the Equias Alliance team provides value via a consultative approach, extensive market knowledge and familiarity with banking professionals in the legal, accounting and regulatory arenas.

Established in 1925, Gunster is one of Florida's oldest and largest full-service law firms. The firm is home to more than 170 attorneys and has offices in Boca Raton, Fort Lauderdale, Jacksonville, Miami, Orlando, Palm Beach, Stuart, Tallahassee, Tampa, The Florida Keys, Vero Beach, West Palm Beach and Winter Park. Gunster's Banking and Financial Services Practice enjoys an international reputation for quality and professionalism that stems from successfully representing some of the world's leading financial institutions. The practice is composed of culturally diverse and multilingual attorneys, and its members are committed to being at the forefront of legal issues affecting financial institutions. Our attorneys handle a broad range of matters, including mergers and acquisitions, SEC reporting and compliance, executive compensation, anti-money laundering, Bank Secrecy Act, OFAC compliance, lending, licensing, foreclosures, bankruptcy, lender liability, bank formations, tax, technology and employment. Members are active in numerous bank-focused organizations. Members also frequently speak on topics that are critical to the banking industry. Gunster is Florida's Law Firm for Business.

Hunt Financial Group is a regional firm, headquartered in Charlotte, NC, with 2 Regional Offices and 4 Regional Partners. We work exclusively with banks to create, manage, finance (with BOLl), and service Supplemental Benefit plans for Top Executives and Directors. Through our Regional Partners and staff, we have extensive experience in the financial services, accounting, qualified, non-qualified benefits, and the banking industry. We are exclusively focused on benefits for banks and BOLl financing of these plans.

Luse Gorman, PC is a Washington, D.C. based law firm that specializes in securities, corporate and financial institutions regulatory and transactional law, as well as executive compensation, employee benefits and taxation. Our practice focuses on capital formation, including initial public offerings and incremental or secondary stock offerings; mergers and acquisitions; bank and credit union charter conversions; new bank charters; securities law compliance and reporting; bank and savings institution regulatory compliance; corporate governance; enforcement matters before the Federal and state banking agencies; and employee benefits, executive compensation and taxation. We represent clients on securities and regulatory law matters before the Federal Deposit Insurance Corporation, the Board of Governors of the Federal Reserve System, the Office of the Comptroller of the Currency, the Securities and Exchange Commission, and state securities and banking/savings and loan regulators.

Mezrah Consulting provides consulting services to banks as well as their executives and directors. We specialize in the design, funding, implementation, securitization and administration of Bank Owned Life Insurance and non-qualified executive benefit plans. In addition, we are focused on sharing ideas that help banks increase earnings and capital to better position them to grow.

We offer the banking community solutions for implementing and financing executive benefit programs, administration of bank-owned life insurance (BOLI), non-qualified benefit plans, and accounting and regulatory compliance services through a network of account executives and consultants, an industry-leading web-based reporting system accessible 24/7, and proprietary risk-management and regulatory tools.

Warren Averett is a nationally recognized firm ranking among the nation's largest firms and serving some of the South's largest companies (see rankings below). In addition to these rankings, Warren Averett is a registered member of the Public Company Accounting Oversight Board (PCAOB). We are also included among the AICPA's Major Firms Group, an elite group of privately owned accounting firms. Membership in this prestigious group affords Warren Averett the opportunity to exchange views on particular issues with other substantial accounting firms throughout the U.S.

Akerman LLP is a leading transactions and trial law firm known for its core strengths in middle market M&A, within the financial services and real estate industries, and for a diverse Latin America practice. With more than 650 lawyers and government affairs professionals and a network of 24 offices, Akerman is ranked among the top 100 law firms in the United States by The American Lawyer (2017). Akerman also is ranked among the top 100 law firms for diversity in The American Lawyer's Diversity Scorecard (2017). Akerman is one of the leading providers of legal services to the financial community in the United States. Our team represents domestic and foreign banks, insurance companies, commercial credit companies, arrangers and syndication agents, and other financial institutions in a wide array of banking and litigation activities. Akerman has served the banking industry for more than 80 years and has been integrally involved in the drafting of laws and regulations governing financial institutions at the state and national level. Akerman has also served as General Counsel to the Florida Bankers Association for more than 50 years.

Albion Banking Solutions is an ISO 9001 Certified division of Albion Staffing Solutions, Inc. based in Coral Gables, FL and specialized in the provision of full service staffing solutions in the Banking sector including Temporary, Contract and Direct Hire services. For additional information, please contact Yesenia@AlbionBanking.com or visit www.AlbionBanking.com.

All Covered Finance is a trusted advisor offering IT, security, compliance and infrastructure services to financial organizations. We help leverage today's technology to solve business problems. We provide a comprehensive suite of cloud, managed and professional services which enables our clients to effectively execute their business strategy. Moreover, our highly skilled staff of consultants, engineers and support professionals have the regulatory and compliance expertise to successfully assist with government regulations and third party audits.

Ascensus helps more than 7 million Americans save for the future-retirement, college, and healthcare- through technology-enabled solutions. With more than 35 years of experience, the firm offers tailored solutions that meet the needs of asset managers, banks, credit unions, state governments, financial professionals, employers, and individuals. Ascensus supports approximately 50,000 retirement plans, more than 4 million 529 college savings accounts, and a growing number of ABLE savings accounts. It also administers more than 1.6 million IRAs and health savings accounts. As of June 30, 2017, Ascensus had over $155 billion in total assets under administration. For more information about Ascensus, visit www.ascensus.com.

Banker's Toolbox provides tailored solutions for BSA/AML and fraud detection, beneficial ownership, OFAC scanning, and secure wire processing automation that are designed, supported and served by industry experts. With Banker's Toolbox, users are empowered with transparency, control over their systems and flexible deployment options, laying the groundwork for growth and success.

CCDI has been providing construction consulting, program management, and lending services since 1994. We provide these services exclusively with our in-house staff. Our principals and managers bring over 100 years of combined construction experience to every project.
We are utilizing software that ensures we are regulatory compliant and safeguards your data. This software system ensures rapid turnaround reporting and allows CCDI to meet your schedule.
Our costs remain competitive through our national and international presence. Our experience ranges from single-family home and builder lines through aerospace launch complexes. We work with our clients to help meet the team's mutual goals.

The Center for Financial Training (CFT) - provides financial services education, training and technology to financial services professionals throughout the United States and around the world. CFT is the largest industry-sponsored adult education program. CFT training and education programs provide job specific skills and knowledge to the financial services industry. CFT is the educational arm of the American Bankers Association and courses are part of a national continuing education curriculum. Completion of prescribed programs can lead to industry-recognized ABA/CFT diplomas and certificates, obtain nationally recognized designation, assist in professional licensing requirements and also meet college credit and degree requirements. CFT programs are available whenever and wherever you need them. CFT classroom training includes full-length and accelerated courses as well as seminars. CFT online training is both instructor-led and self-paced. Other formats include webinars, correspondence study, testing out and customized training for in-house presentation. Online courses are available on a per user basis or license agreement. CFT also provides High School programs such as the Future Bankers Camp, internships opportunities and Financial Literacy workshops. With over 114 years of experience, the Center For Financial Training is your leading resource for innovative education and training.

CliftonLarsonAllen is a professional services firm highly specialized in the banking industry. Structured to provide clients with industry insight, the firm delivers assurance, tax, regulatory compliance, information technology, and advisory services. We will help you meet the challenges of a changing environment.

A Florida Bankers Association-owned company, Compliance Alliance provides its members with an ever-increasing set of bank compliance tools and services to help them stay up-to-date with consumer and regulatory requirements. Compliance Alliance members enjoy a compliance hotline by phone, e-mail or live chat to answer compliance questions; unlimited submission of bank documents for review by in-house experts; and the most comprehensive list of tools for download and services including calculators, cheat sheets, check lists, flowcharts, forms, policies, procedures and more.

CRA Partners is a turnkey CRA compliance program that operates Senior Crimestoppers, a nationwide crime prevention program educating and safeguarding against theft, abuse and neglect. Participating banks sponsor a senior living facility in their assessment area and enjoy guaranteed CRA loan and investment credit and an opportunity for service test credit. We offer flexible funding options that include CRA-qualified loans, investments and grants. Our program requires no overhead or administrative burden, and we provide detailed LMI documentation for your exam. CRA Partners is trusted and recognized by organizations across the country, with endorsements from the ICBA and 31 state bankers associations. For more information, call Terry Rooker at (877) 232-0859 or visit our website at SHCPFoundation.org.

Crowe Horwath LLP is one of the largest public accounting and consulting firms in the U.S., providing audit, tax, advisory, risk and performance services. Our banking industry focused team of more than 550 professionals serves more than 1,800 financial services organizations. In Florida, Crowe has worked with over 100 financial institutions ranging from de novos to multi-billion dollar holding companies. Crowe's full range of services include assurance, risk consulting solutions (internal audit, compliance, loan review, stress testing), tax, financial advisory, and a wide range of consulting services specifically geared towards the financial institutions industry.

Computer Services, Inc. (CSI) is a customer service company that delivers innovative technology solutions to financial institutions nationwide. A total solutions provider, CSI offers core processing, managed services, mobile and Internet solutions, payments processing, electronic and print distribution, and regulatory compliance solutions. With 50 years as an industry leader in innovation and service, CSI serves financial institutions as a trusted technology partner that understands their needs and delivers solutions that empower them to be more competitive, compliant and profitable

DocuSign is changing how business gets done by empowering more than 300,000 companies and 200 million users in 188 countries to send, sign and manage agreements digitally - anytime, anywhere, on any device with trust and confidence. DocuSign helps keep life and business moving forward.

The banking industry is complex and rapidly evolving. You deserve the right team with the right leadership to serve you. More than 150 financial institutions, large and small, depend on our Financial Services Practice for personal attention, industry experience and services including external and internal audit, SEC reporting, taxation and compliance. With a 70-year reputation and a team of more than 100 professionals serving financial institutions, we help banks operate stronger, wiser, better.

Enterprise Risk Management (ERM) is an Information Security and IT Risk Management consulting firm that serves clients in 22 industries for the last 19 yrs. Services include strategy, assessments, remediation, implementation, digital forensics, products and security awareness training. Our approach is to help organizations reduce risks, achieve their objectives, and manage the unknown.

Founded in 1990, EDR is the nation’s leading provider of environmental information, generating over 750,000 environmental risk reports each year. With unique offerings for environmental professionals, lenders, attorneys, corporations, insurance companies, government agencies and real estate professionals, you can rest assured that EDR has the information and solutions you need.
With over 23 million records compiled from over 1,200 federal, state, local, tribal and proprietary databases, EDR maintains the world’s largest repository of environmental information. By utilizing industry-leading technology and with well over 100 talented professionals dedicated to Continuously gathering, updating and maintaining our data, EDR also has the world’s most accurate and up-to-date environmental information. Each of our offerings is based on information and expertise that simply does not exist anywhere else.

ePayResources is a trade association celebrating over 40 years providing payments expertise, professional development, and industry leadership to financial institutions and businesses. We help our members be informed, compliant, and competitive with services that include education, publications, compliance support, risk management resources, and advocacy. As a trusted payments industry leader, we help our members successfully participate in electronic payments by providing the best possible tools for understanding obligations under the ACH Operating Rules and other payment rules and regulations, thereby minimizing risk. Our Accredited ACH Professional and National Check Professional staff stay on top of the latest industry developments, so we are always prepared to provide the highest level of support on our toll-free Payments Answerline™. We are the developers of the ProceduresNow! ACH policies and procedures product; and the AgreementsNow! suite of product service agreements. ePayResources is one of the largest Regional Payments Associations in the country. Our subsidiary company, ePayAdvisors, provides audit and risk assessment services for ACH, Wire and Remote Deposit Capture, and payments consulting. Headquartered in Dallas, we also have offices in Virginia, North Carolina, Florida, and Alabama. Follow us on Facebook, Twitter, LinkedIn, YouTube.

Our company has been serving Florida financial institutions since 1997. Our partners have the benefit of the years of experience as well as certifications from The Bank Administration Institute, the Institute of Certified Bankers and the Anti-Money Laundering Professionals Institute. Our Senior Partner has been dedicated to regulatory compliance since 1984. Assisting financial institutions with the compliance of Federal I State Deposit and Lending regulatory requirements has been always among our highest priorities.

Finastra unlocks the potential of people and businesses in finance, creating a platform for open innovation. Formed in 2017 by the merger of Misys and D+H, Finastra is the third largest Fintech company in the world. We deliver the broadest portfolio of mission critical solutions for financial institutions of all sizes, on premises or in the cloud. Trusted by more than 9,000 financial institutions, government agencies and corporations across 130 countries, our solutions accelerate growth, improve experience, optimize cost and mitigate risk. We have a diverse customer base including 48 of the world's top 50 banks. By placing our clients' needs at the center of everything we do, we help them expand their services and increase value faster.

First Housing is a quasi-public corporation stock held by 15 banks, 9 of which participate in a lending pool to provide financing for rental communities in Florida serving low to moderate income families. First Housing provides professional services to housing finance agencies such as credit underwriting, mortgage and compliance servicing. First Housing is an FHA approved mortgagee. In addition, First Housing offers web courses, workshops, and personalized training in affordable property compliance, Davis Bacon & Section 3, and career development.

FIS is a global leader in financial services technology, with a focus on retail and institutional banking, payments, asset and wealth management, risk and compliance, and outsourcing solutions. Through the depth and breadth of our solutions portfolio, global capabilities and domain expertise, FIS serves more than 20,000 clients in over 130 countries. Headquartered in Jacksonville, Fla., FIS employs more than 53,000 people worldwide and holds leadership positions in payment processing, financial software and banking solutions. Providing software, services and outsourcing of the technology that empowers the financial world, FIS is a Fortune 500 company and is a member of Standard & Poor's 500® Index. For more information about FIS, visit www.fisglobal.com.

Focus Audits, a Limited liability corporation (LLC), is a provider of Audit Services, Compliance Services, and Independent Risk Consulting for the Financial Services Industry. We help clients identify, assess, and manage operational and technology risks encountered in the industry, and assist in the monitoring of those risks.

Heckman Law Group (HLG) is a boutique litigation law firm that represents financial institutions in state and federal courts throughout Florida. HLG's lawyers provide a full array of legal services and counsel in the areas of consumer and commercial collections, foreclosure, real estate litigation, bankruptcy law and related compliance issues.

HTx Services is a global IT infrastructure and ATM Services Company. We provide a full suite of technical and consulting services that are designed to ensure that your firm is prepared to take advantage of the technology enhancements of the future.

Hypur empowers commerce in cash-intensive industries by providing financial institutions the tools they need to provide these businesses the services they want while meeting or exceeding banking regulations.

JMFA is one of the most trusted names in the industry helping community banks improve their performance and profitability. Whether it's identifying new revenue opportunities, reducing net operating costs, serving account holders better, delivering a 100% compliant overdraft program, or finding the perfect personnel fit?JMFA has the right solutions to help their clients not only meet, but exceed, their goals. We are proud to be a preferred provider among many industry groups.

Kaufman Rossin is one of the top 100 CPA and advisory firms in the U.S. The firm's banking team has significant experience working with regulators and assisting financial institutions, domestically and internationally, in assessing compliance programs, investigating complex money laundering and fraud schemes, and implementing corrective action to comply with enforcement orders.

Mauldin & Jenkins, LLC provides a full range of services including audit, tax, internal audit, risk management, compliance, loan review, information technology and consulting advice to publicly and privately held financial institutions throughout the Southeast. For 100 years, M&J's financial institution expertise has represented a pool of resources that allows us to customize services to meet your institution's specific needs. Our goal is to build relationships and continue our tradition of success one satisfied client at a time.

Mazars USA, LLP (Mazars) is a leading international accounting, tax and advisory services firm with over 17,000 professionals worldwide. Mazars has a dedicated and expanding governance, risk and compliance (GRC) bank consulting practice. In Florida that practice is primarily focused on banking and includes risk management, internal audit, compliance and loan review services. We have offices in Fort Lauderdale, Miami, West Palm Beach and Sarasota.

Neighborhood Lending Partners is a multi-bank lending consortium established in 1993 as a non-profit mortgage banking corporation, and was certified in 1997 as a CDFI. NLP provides community lending programs throughout the State of Florida for member financial institutions benefitting underserved populations; through lending for multi-family and economic development.

Our firm is a full service audit, accounting, tax and consulting firm. Since our inception in 1999 we have specialized in providing high quality, personal services to financial institutions. We have extensive experience in performing external and internal audit services, compliance monitoring and evaluation services relating to BSA/AML, BSA system validation, consumer and lending regulations, loan portfolio quality reviews, information technology audits and systems evaluations and disaster recovery audits.
Our staff of over 50 professionals performs services for community and regional financial institutions. We have assisted numerous banks in complying with Consent Orders and Cease and Desist Orders from State and Federal Regulators.
We are an independent member firm of Polaris International an international association of independently owned and operated CPA Firms with over 200 member firms with representation in 90 countries throughout the world.

Pearigen & Associates is a professional consulting firm dedicated to providing quality internal audit, regulatory compliance, independent BSA/AML/OFAC reviews, forensic audits/reviews, loan quality reviews, IT audits, independent NACHA/ACH reviews, Board of Director and employee training, and other audit consulting services to financial institutions. In this fast-paced environment of regulatory change, we provide an "internal audit function" to assist and counsel management rather than only assuming the role of another external reporting entity. Banks find it cost-effective to retain the services of experts with extensive backgrounds in both Bank management and industry audit experience. We are also available to assist in the completion of specific projects, or help with internal control or compliance issues identified. Phil Pearigen, owner of the company, is a certified public accountant, with 30 plus years of experience in community banks. The primary associates hold various regulatory certifications, and have held bank officer positions at a variety of levels throughout all areas of banking, in addition to many years of both internal and external audit experience.

SBS CyberSecurity (SBS) is a premier cybersecurity consulting and audit firm. Since 2004, SBS has been dedicated to assisting organizations with the implementation of valuable risk management programs and to mitigating cybersecurity risks. The company has provided cybersecurity solutions to over 1,300 organizations across the United States and abroad, including financial institutions ranging in asset size from $12 million to over $20 billion. SBS delivers unique, turnkey solutions tailored to each client's needs, including cybersecurity risk management software, consulting services, network security, IT audit, and education. SBS CyberSecurity empowers customers to make more informed security decisions and trust the safety of their data.

Who Is Strategic Risk Associates (SRA)?
SRA is a national consulting and advisory firm specializing in the banking and financial services industry. Our team has the credentials and experience to help solve your issues and build your franchise. We provide fast, efficient, and practical M&A due diligence, loan stress testing, loan review, ERM Watchtower Online, risk consulting, internal audit, loan review and cybersecurity services, and our analysis and recommendations will be direct, unequivocal and based on best practices.

TIB is a full service bankers' bank, providing correspondent banking products and services to nearly 2,000 community banks in 50 states across the country. In addition, TIB is owned by more than 480 of the very community banks it serves. The Bank was chartered in 1981 and has been the "trusted partner" of independent banks of all sizes for over 30 years. Our customer banks have come to know us as a "strong, stable and secure" partner on whom they can rely in any economic cycle. TIB can be found on the internet at www.mybankersbank.com.

We have provided services for many of the nation's largest lending institutions, as well as smaller, more localized banks on projects ranging in size from $500,000 to over $200,000,000. Our understanding of a lender's interest during the construction process has resulted in an enviable series of successful relationships that continue to expand. We take great pride in our ability to move quickly on the issues that matter the most to a client, lender, or investment firm, and to keep them appraised constantly and accurately on the status of construction projects.

As IT and Banking Operations meld together in today's operational environment, AaSys provides a total solution for community banks. From selecting the optimum core or ancillary solution provider to providing implementation assistance, AaSys harnesses unparalleled technical expertise for our community bank clients. By engaging AaSys, an overwhelming process is made organized and clients are able to make educated decisions. AaSys' IT Consultants help community banks meet regulatory and security mandates. AaSys Network Support Engineers provide onsite expertise as well as remote Help Desk management. AaSys designs customized DR Solutions as well as providing testing documentation to meet regulatory mandates.

All Covered Finance is a trusted advisor offering IT, security, compliance and infrastructure services to financial organizations. We help leverage today's technology to solve business problems. We provide a comprehensive suite of cloud, managed and professional services which enables our clients to effectively execute their business strategy. Moreover, our highly skilled staff of consultants, engineers and support professionals have the regulatory and compliance expertise to successfully assist with government regulations and third party audits.

Ascensus helps more than 7 million Americans save for the future-retirement, college, and healthcare- through technology-enabled solutions. With more than 35 years of experience, the firm offers tailored solutions that meet the needs of asset managers, banks, credit unions, state governments, financial professionals, employers, and individuals. Ascensus supports approximately 50,000 retirement plans, more than 4 million 529 college savings accounts, and a growing number of ABLE savings accounts. It also administers more than 1.6 million IRAs and health savings accounts. As of June 30, 2017, Ascensus had over $155 billion in total assets under administration. For more information about Ascensus, visit www.ascensus.com.

Convene is a secure and efficient board portal solution that streamlines the entire board meeting process in support of transparency, accountability, and good corporate governance. With strong emphasis on a great user experience regardless of platform, Convene gives you the freedom to choose your device.
Visit http://azeusconvene.com/board-portal/ to learn more.

Banker's Toolbox provides tailored solutions for BSA/AML and fraud detection, beneficial ownership, OFAC scanning, and secure wire processing automation that are designed, supported and served by industry experts. With Banker's Toolbox, users are empowered with transparency, control over their systems and flexible deployment options, laying the groundwork for growth and success.

CodeFi Solutions is a bank consulting and software services firm specializing in Construction Lending for Residential, Commercial, SBA, and Builder Line portfolios.
Presidium 360, a software application offered by CodeFi, is a complete end-to end loan administration and management application that enables banks to increase profits, grow their client base, save overhead costs, and guarantees compliance while delivering automated solutions and workflows for the many types of real estate construction lending banks compete for. The all-inclusive platform leads the industry in the management of commercial and residential portfolios. Its robust capabilities solve for the many reporting challenges banks face, reduces audit related incidents, and eliminates the common points of failure that can occur during the loan servicing cycle. Unlike any other solution in the market, Presidium Solutions is an end-to-end risk management tool that is highly configurable and easily integrated with any core system. As an endorsed BancServ vendor, the Presidium 360 application is the most tenured and least expensive software solution in the market today.

Computer Services, Inc. (CSI) is a customer service company that delivers innovative technology solutions to financial institutions nationwide. A total solutions provider, CSI offers core processing, managed services, mobile and Internet solutions, payments processing, electronic and print distribution, and regulatory compliance solutions. With 50 years as an industry leader in innovation and service, CSI serves financial institutions as a trusted technology partner that understands their needs and delivers solutions that empower them to be more competitive, compliant and profitable

Many core systems provide tickler systems to help remind financial institutions that it is time to request annual financial documentation but they don't provide an easy way to produce notification letters, overdue notices and track request and what has been received. Cumulus Radar provides an easy-to-use, affordable solution that streamlines the time consuming task of requesting and tracking supporting financial documents (Financials, Tax Returns, Extensions, Insurance, etc). Customer Management capabilities allow consolidation of requested financial documents, so when the same borrower, co-borrower or guarantor has multiple loans, it will create a single request. Notification letters can be customized to include logo's and dynamically include the loan officer , branch or assigned contact, required financial documents and the due date. We are working on integration's with core systems to provide automated bi-directional updates. Let us help you reduce the time and effort in producing these required notifications! www.CumulusApps.com

DocuSign is changing how business gets done by empowering more than 300,000 companies and 200 million users in 188 countries to send, sign and manage agreements digitally - anytime, anywhere, on any device with trust and confidence. DocuSign helps keep life and business moving forward.

Easy Solutions, a Cyxtera business, is a security provider focused on the comprehensive detection and prevention of electronic fraud across all devices, channels and clouds. Our products range from digital threat protection and secure browsing to multi-factor authentication and transaction anomaly detection, offering a one-stop shop for end-to-end fraud protection. The online activities of over 115 million customers at 430 leading financial services companies, security firms, retailers, airlines and other entities in the US and abroad are protected by Easy Solutions Total Fraud Protection® platform.

We are ECS Fin Inc. We started in 1999 as a transaction processing consultancy with headquarters in New York, USA. We developed a holistic transaction processing solution called IMS. The application combines several processing modules, supporting components and connectivity services and took the complete life cycle of a transaction. Our modules include: Gateway, Payments, Securities, and Governance.

Enterprise Risk Management (ERM) is an Information Security and IT Risk Management consulting firm that serves clients in 22 industries for the last 19 yrs. Services include strategy, assessments, remediation, implementation, digital forensics, products and security awareness training. Our approach is to help organizations reduce risks, achieve their objectives, and manage the unknown.

Finastra unlocks the potential of people and businesses in finance, creating a platform for open innovation. Formed in 2017 by the merger of Misys and D+H, Finastra is the third largest Fintech company in the world. We deliver the broadest portfolio of mission critical solutions for financial institutions of all sizes, on premises or in the cloud. Trusted by more than 9,000 financial institutions, government agencies and corporations across 130 countries, our solutions accelerate growth, improve experience, optimize cost and mitigate risk. We have a diverse customer base including 48 of the world's top 50 banks. By placing our clients' needs at the center of everything we do, we help them expand their services and increase value faster.

FIS is a global leader in financial services technology, with a focus on retail and institutional banking, payments, asset and wealth management, risk and compliance, and outsourcing solutions. Through the depth and breadth of our solutions portfolio, global capabilities and domain expertise, FIS serves more than 20,000 clients in over 130 countries. Headquartered in Jacksonville, Fla., FIS employs more than 53,000 people worldwide and holds leadership positions in payment processing, financial software and banking solutions. Providing software, services and outsourcing of the technology that empowers the financial world, FIS is a Fortune 500 company and is a member of Standard & Poor's 500® Index. For more information about FIS, visit www.fisglobal.com.

Fiserv is driving innovation in Payments, Processing Services, Risk & Compliance, Customer & Channel Management and Insights & Optimization. A global leader in financial services technology, Fiserv is a FORTUNE 500 company and one of FORTUNE magazine's World's Most Admired Companies.
Our solutions help more than 13,000 banks, credit unions and thrifts, billers, mortgage lenders and leasing companies, brokerage and investment firms, and other business clients deliver financial services at the speed of life. Fiserv solutions enable our clients to create financial experiences that enhance the way people live and work today. Visit fiserv.com to learn more

HTx Services is a global IT infrastructure and ATM Services Company. We provide a full suite of technical and consulting services that are designed to ensure that your firm is prepared to take advantage of the technology enhancements of the future.

Hypur empowers commerce in cash-intensive industries by providing financial institutions the tools they need to provide these businesses the services they want while meeting or exceeding banking regulations.

Jack Henry Banking®, a division of Jack Henry & Associates, Inc.®, is a leading provider of integrated computer systems for banks ranging from de novo to multi-billion dollar institutions. Jack Henry Banking currently serves approximately 1,100 banks as a single source for integrated, enterprise-wide automation and as a single point of contact and support. Additional information is available at www.jackhenrybanking.com.

As a member of the Florida Bankers Association, your organization is eligible to participate in the FBA's national account group purchasing plan with Office Depot. This program provides your company with exclusive discounts on the office products you use every day, and best of all, there's no fee to participate. Access to the program is a free benefit as part of your membership in the FBA.
This program is designed to reduce your expenses and streamline your operations. As a result of participating in this program, members have saved an average of 30% over their prior office product costs. In addition to office supplies, the program includes office furniture, print/copy services, custom business forms, stationery supplies, promotional products, and lunchroom and janitorial supplies. This program also includes FREE next-day delivery for oders over $50 by Office Depot truck or UPS depending on location.
To begin accessing this program visit our online sign up page located Here

OmniMetrix created the first wireless monitor for on-site power generation, setting a new standard in remote monitoring. OmniMetrix has remained the industry leader ensuring generator reliability, providing valuable data insight and providing a cost-effective, easy-to-install solution. Our solutions can prevent up to 95% of a generators fail-to-start event.

Semantify leads the data discovery and analysis industry with its unique patented technology that empowers end users to use simple business vocabulary to accurately, and in real time, explore and analyze data and information from their data universe both structured and unstructured. Business end-users can make fast fully researched decisions by iteratively and intuitively extracting insights and knowledge from any information source(s). Semantify has specialized in the financial services industry, and has brought to the B2B2C and payments world powerful new dimensions to the ability to deploy fast, affordable ways to empower and delight consumers and the enterprise resources who serve them.

Who Is Strategic Risk Associates (SRA)?
SRA is a national consulting and advisory firm specializing in the banking and financial services industry. Our team has the credentials and experience to help solve your issues and build your franchise. We provide fast, efficient, and practical M&A due diligence, loan stress testing, loan review, ERM Watchtower Online, risk consulting, internal audit, loan review and cybersecurity services, and our analysis and recommendations will be direct, unequivocal and based on best practices.

Suncoast Business Technologies / Ring Authority is your full service technology partner specializing in making your business faster, safer and more efficient. With a wide range of services including IT, Network Management & Security, Cloud Computing, VOIP systems and more, you'll be able to focus on your business while allowing our team to ensure that your technology systems are providing you the strategic advantages needed to stay competitive.

Verafin is a leader in cloud-based, cross-institutional Fraud Detection and Anti-Money Laundering (FRAMLx) collaboration software with a customer base of over 1300 financial institutions across North America. Its uses cross-institutional, behavior-based analytics to help financial institutions stay a step ahead of fraud and BSA, USA PATRIOT Act, and FACTA compliance landscape, while allowing them to collaborate cross-institutionally. Verafin is the exclusive provider for the CBA, FBA, IBA, MBA, CUNA Strategic Services, a preferred service provider of the ICBA, and has industry endorsements in 44 states across the U.S. For more information, visit www.verafin.com/framlx, email info@verafin.com or call 866.781.8433

As IT and Banking Operations meld together in today's operational environment, AaSys provides a total solution for community banks. From selecting the optimum core or ancillary solution provider to providing implementation assistance, AaSys harnesses unparalleled technical expertise for our community bank clients. By engaging AaSys, an overwhelming process is made organized and clients are able to make educated decisions. AaSys' IT Consultants help community banks meet regulatory and security mandates. AaSys Network Support Engineers provide onsite expertise as well as remote Help Desk management. AaSys designs customized DR Solutions as well as providing testing documentation to meet regulatory mandates.

Albion Banking Solutions is an ISO 9001 Certified division of Albion Staffing Solutions, Inc. based in Coral Gables, FL and specialized in the provision of full service staffing solutions in the Banking sector including Temporary, Contract and Direct Hire services. For additional information, please contact Yesenia@AlbionBanking.com or visit www.AlbionBanking.com.

All Covered Finance is a trusted advisor offering IT, security, compliance and infrastructure services to financial organizations. We help leverage today's technology to solve business problems. We provide a comprehensive suite of cloud, managed and professional services which enables our clients to effectively execute their business strategy. Moreover, our highly skilled staff of consultants, engineers and support professionals have the regulatory and compliance expertise to successfully assist with government regulations and third party audits.

Ascensus helps more than 7 million Americans save for the future-retirement, college, and healthcare- through technology-enabled solutions. With more than 35 years of experience, the firm offers tailored solutions that meet the needs of asset managers, banks, credit unions, state governments, financial professionals, employers, and individuals. Ascensus supports approximately 50,000 retirement plans, more than 4 million 529 college savings accounts, and a growing number of ABLE savings accounts. It also administers more than 1.6 million IRAs and health savings accounts. As of June 30, 2017, Ascensus had over $155 billion in total assets under administration. For more information about Ascensus, visit www.ascensus.com.

Bank Compensation Consulting leads the industry with its approach to servicing its clients with state of the art plan design that assists banks in attracting, retaining and rewarding their leaders through: compensation consulting; design and implementation of customized Executive and Director benefit plans; Bank Owned Life Insurance (BOLI); and ownership succession planning.

Bank Financial Services Group (BFS) is a national firm with 11 regional offices that is in the industry's leading BOLI expert. BFS Group's national expertise has helped banks all over the country increase their bottom line earnings, increase shareholder value, and fund meaningful benefits for all of their employees. Through our regional managing directors, principals, and staff we have extensive experience in the financial services and banking industries. Our exclusive focus on community banks makes BFS Group uniquely qualified to design, implement, and manage BOLI investments to help drive the bank's bottom-line earnings.

BankSmart clients save substantial amounts of money in data processing expenses as a result of our comprehensive and thorough process!
The BankSmart team has extensive experience assisting community banks with the process of evaluating and negotiating the renewal of their current data processor relationships and/or evaluating new processing alternatives. We have hands-on knowledge of the vendor capabilities in the market and an unparalleled ability to perform "apples-to-apples" pricing comparisons between the proposing vendors. Once the final provider(s) have been selected, we will negotiate the best possible pricing for your bank. BankSmart was founded by bankers for bankers and our sole objective is to assist financial institutions with significant functional projects for the purpose of creating efficiencies and saving money.
BankSmart also offers "SmartKit" tools that offer banks the ability to manage their own bank and branch acquisitions, failed bank assumptions, data processing conversions, and new branch openings for less money than traditional full service consulting.
For more information about our solutions, visit www.BankSmart.com or contact Jim Wilkson at (813) 774-8000 or JWilkson@BankSmart.com.

CRI is a is a top 20 CPA and Advisory firm in the United States, serving 28 markets across 11 states. With almost 2,000 professionals, we are a leading provider of professional services to over 200 financial institutions in the Southeast ranging in size from small community banks to multi-billion dollar regional bank holding companies. CRI provides a broad range of services to both private and publicly held institutions, including opinion audit, income tax, internal audit, regulatory compliance, loan review and information technology services.

CashTrans serves over 1,200 financial institutions, retailers, small businesses and city/county governments across the Southeast. Since 1996, we have provided exceptional products/services, plus cost efficient high-quality branch and ATM equipment, ATM turn-key outsourcing solutions, ATM driving/processing, and consulting. As a Diebold Certified Dealer, we offer a full range of advanced Diebold branch equipment including, cash recyclers, safes, security systems, VAT Systems, custom solutions and more. CashTrans is also authorized to sell and service many other major equipment brands. Our clients deserve and expect only the best and we commit that we will earn your business every day!

CashTrans serves over 1,200 financial institutions, retailers, small businesses and city/county governments across the Southeast. Since 1996, we have provided exceptional products/services, plus cost efficient high-quality branch and ATM equipment, ATM turn-key outsourcing solutions, ATM driving/processing, and consulting. As a Diebold Certified Dealer, we offer a full range of advanced Diebold branch equipment including, cash recyclers, safes, security systems, VAT Systems, custom solutions and more. CashTrans is also authorized to sell and service many other major equipment brands. Our clients deserve and expect only the best and we commit that we will earn your business every day!

CCDI has been providing construction consulting, program management, and lending services since 1994. We provide these services exclusively with our in-house staff. Our principals and managers bring over 100 years of combined construction experience to every project.
We are utilizing software that ensures we are regulatory compliant and safeguards your data. This software system ensures rapid turnaround reporting and allows CCDI to meet your schedule.
Our costs remain competitive through our national and international presence. Our experience ranges from single-family home and builder lines through aerospace launch complexes. We work with our clients to help meet the team's mutual goals.

The Center for Practical Management exists for one purpose only, to partner with clients who are serious about releasing employee potential and leveraging that potential to grow their business, achieve their goals, and maximize return on investment in human resource development.

We collaborate with your management team over the entire duration of our relationship to: -Customize a system of management activities and tools unique to your organization -Implement, track, evaluate, train, and reinforce your use of the Practical Management System™ -Hold your managers accountable for taking ownership of the system -Celebrate your performance successes and ever increasing results

The Center for Financial Training (CFT) - provides financial services education, training and technology to financial services professionals throughout the United States and around the world. CFT is the largest industry-sponsored adult education program. CFT training and education programs provide job specific skills and knowledge to the financial services industry. CFT is the educational arm of the American Bankers Association and courses are part of a national continuing education curriculum. Completion of prescribed programs can lead to industry-recognized ABA/CFT diplomas and certificates, obtain nationally recognized designation, assist in professional licensing requirements and also meet college credit and degree requirements. CFT programs are available whenever and wherever you need them. CFT classroom training includes full-length and accelerated courses as well as seminars. CFT online training is both instructor-led and self-paced. Other formats include webinars, correspondence study, testing out and customized training for in-house presentation. Online courses are available on a per user basis or license agreement. CFT also provides High School programs such as the Future Bankers Camp, internships opportunities and Financial Literacy workshops. With over 114 years of experience, the Center For Financial Training is your leading resource for innovative education and training.

CliftonLarsonAllen is a professional services firm highly specialized in the banking industry. Structured to provide clients with industry insight, the firm delivers assurance, tax, regulatory compliance, information technology, and advisory services. We will help you meet the challenges of a changing environment.

CodeFi Solutions is a bank consulting and software services firm specializing in Construction Lending for Residential, Commercial, SBA, and Builder Line portfolios.
Presidium 360, a software application offered by CodeFi, is a complete end-to end loan administration and management application that enables banks to increase profits, grow their client base, save overhead costs, and guarantees compliance while delivering automated solutions and workflows for the many types of real estate construction lending banks compete for. The all-inclusive platform leads the industry in the management of commercial and residential portfolios. Its robust capabilities solve for the many reporting challenges banks face, reduces audit related incidents, and eliminates the common points of failure that can occur during the loan servicing cycle. Unlike any other solution in the market, Presidium Solutions is an end-to-end risk management tool that is highly configurable and easily integrated with any core system. As an endorsed BancServ vendor, the Presidium 360 application is the most tenured and least expensive software solution in the market today.

Crowe Horwath LLP is one of the largest public accounting and consulting firms in the U.S., providing audit, tax, advisory, risk and performance services. Our banking industry focused team of more than 550 professionals serves more than 1,800 financial services organizations. In Florida, Crowe has worked with over 100 financial institutions ranging from de novos to multi-billion dollar holding companies. Crowe's full range of services include assurance, risk consulting solutions (internal audit, compliance, loan review, stress testing), tax, financial advisory, and a wide range of consulting services specifically geared towards the financial institutions industry.

As the alternative in insurance brokerage, Crystal & Company provides industry leading insurance brokerage services, solutions and counsel to financial institutions. The company provides a highly consultative approach, leveraging its industry advisory and complex claims management expertise to the benefit of its clients in all lines of commercial insurance and employee benefits.

DocuSign is changing how business gets done by empowering more than 300,000 companies and 200 million users in 188 countries to send, sign and manage agreements digitally - anytime, anywhere, on any device with trust and confidence. DocuSign helps keep life and business moving forward.

The banking industry is complex and rapidly evolving. You deserve the right team with the right leadership to serve you. More than 150 financial institutions, large and small, depend on our Financial Services Practice for personal attention, industry experience and services including external and internal audit, SEC reporting, taxation and compliance. With a 70-year reputation and a team of more than 100 professionals serving financial institutions, we help banks operate stronger, wiser, better.

Enterprise Risk Management (ERM) is an Information Security and IT Risk Management consulting firm that serves clients in 22 industries for the last 19 yrs. Services include strategy, assessments, remediation, implementation, digital forensics, products and security awareness training. Our approach is to help organizations reduce risks, achieve their objectives, and manage the unknown.

Environmental Risk Management, Inc (ERMI) has been a Florida leader in site assessment and remediation services since 1999. With excellent FDEP relationships, and experience on thousands of sites located in 61 of 67 counties in Florida, ERMI strategically manages risks on impacted sites. Cost effective and diligent, Phase 1 through cleanup plus forensics.

Equias Alliance provides implementation and administrative consulting services for non-qualified executive/director benefit programs and bank-owned life insurance (BOLI) to over 1,200 banking organizations across the United States. Equias Alliance is an Endorsed Partner of the FBA and also has the exclusive endorsement of the ABA through its subsidiary, the Corporation for American Banking. In his 25+ years in this business, Managing Consultant Glenn Blackwood has worked with over 150 banking organizations in the southeast. Together with his colleague Joe Schaefer, the Equias Alliance team provides value via a consultative approach, extensive market knowledge and familiarity with banking professionals in the legal, accounting and regulatory arenas.

First Housing is a quasi-public corporation stock held by 15 banks, 9 of which participate in a lending pool to provide financing for rental communities in Florida serving low to moderate income families. First Housing provides professional services to housing finance agencies such as credit underwriting, mortgage and compliance servicing. First Housing is an FHA approved mortgagee. In addition, First Housing offers web courses, workshops, and personalized training in affordable property compliance, Davis Bacon & Section 3, and career development.

Focus Audits, a Limited liability corporation (LLC), is a provider of Audit Services, Compliance Services, and Independent Risk Consulting for the Financial Services Industry. We help clients identify, assess, and manage operational and technology risks encountered in the industry, and assist in the monitoring of those risks.

For three decades, Haberfeld's High Performance Growth (HPG) strategy has helped community banks attract and engage profitable consumer and business customers. Haberfeld clients attract twice as many new customers per year compared to average community banks, with long-term, positive effects on all major areas of bank profitability. Over the last decade, Haberfeld has brought its clients 7.5 million new core customers using a comprehensive strategy that encompasses product development, policy consulting, sales methodology, training, marketing, benchmarking, and reporting.

Hays Companies has been serving the unique risk management, commercial insurance, and employee benefits consulting needs of our clients since 1994. From the start we've focused on providing our clients with measurable results: protecting assets, optimizing costs, adding value, and solving problems. We don't outsize other companies, but we do outthink them. You'll be hard pressed to find a more responsive, innovative, experienced group in which you can place your trust.

HTx Services is a global IT infrastructure and ATM Services Company. We provide a full suite of technical and consulting services that are designed to ensure that your firm is prepared to take advantage of the technology enhancements of the future.

Hunt Financial Group is a regional firm, headquartered in Charlotte, NC, with 2 Regional Offices and 4 Regional Partners. We work exclusively with banks to create, manage, finance (with BOLl), and service Supplemental Benefit plans for Top Executives and Directors. Through our Regional Partners and staff, we have extensive experience in the financial services, accounting, qualified, non-qualified benefits, and the banking industry. We are exclusively focused on benefits for banks and BOLl financing of these plans.

JMFA is one of the most trusted names in the industry helping community banks improve their performance and profitability. Whether it's identifying new revenue opportunities, reducing net operating costs, serving account holders better, delivering a 100% compliant overdraft program, or finding the perfect personnel fit?JMFA has the right solutions to help their clients not only meet, but exceed, their goals. We are proud to be a preferred provider among many industry groups.

Kaufman Rossin is one of the top 100 CPA and advisory firms in the U.S. The firm's banking team has significant experience working with regulators and assisting financial institutions, domestically and internationally, in assessing compliance programs, investigating complex money laundering and fraud schemes, and implementing corrective action to comply with enforcement orders.

Mauldin & Jenkins, LLC provides a full range of services including audit, tax, internal audit, risk management, compliance, loan review, information technology and consulting advice to publicly and privately held financial institutions throughout the Southeast. For 100 years, M&J's financial institution expertise has represented a pool of resources that allows us to customize services to meet your institution's specific needs. Our goal is to build relationships and continue our tradition of success one satisfied client at a time.

Mazars USA, LLP (Mazars) is a leading international accounting, tax and advisory services firm with over 17,000 professionals worldwide. Mazars has a dedicated and expanding governance, risk and compliance (GRC) bank consulting practice. In Florida that practice is primarily focused on banking and includes risk management, internal audit, compliance and loan review services. We have offices in Fort Lauderdale, Miami, West Palm Beach and Sarasota.

Mezrah Consulting provides consulting services to banks as well as their executives and directors. We specialize in the design, funding, implementation, securitization and administration of Bank Owned Life Insurance and non-qualified executive benefit plans. In addition, we are focused on sharing ideas that help banks increase earnings and capital to better position them to grow.

MillsonJames is a recognized leader and knowledge expert in the HR and Benefits technology industry. Our goal is simple - to advance HR through technology. We are fiercely independent and openly share our knowledge and experience with the clients we serve.

Neighborhood Lending Partners is a multi-bank lending consortium established in 1993 as a non-profit mortgage banking corporation, and was certified in 1997 as a CDFI. NLP provides community lending programs throughout the State of Florida for member financial institutions benefitting underserved populations; through lending for multi-family and economic development.

We offer the banking community solutions for implementing and financing executive benefit programs, administration of bank-owned life insurance (BOLI), non-qualified benefit plans, and accounting and regulatory compliance services through a network of account executives and consultants, an industry-leading web-based reporting system accessible 24/7, and proprietary risk-management and regulatory tools.

Our firm is a full service audit, accounting, tax and consulting firm. Since our inception in 1999 we have specialized in providing high quality, personal services to financial institutions. We have extensive experience in performing external and internal audit services, compliance monitoring and evaluation services relating to BSA/AML, BSA system validation, consumer and lending regulations, loan portfolio quality reviews, information technology audits and systems evaluations and disaster recovery audits.
Our staff of over 50 professionals performs services for community and regional financial institutions. We have assisted numerous banks in complying with Consent Orders and Cease and Desist Orders from State and Federal Regulators.
We are an independent member firm of Polaris International an international association of independently owned and operated CPA Firms with over 200 member firms with representation in 90 countries throughout the world.

Pearigen & Associates is a professional consulting firm dedicated to providing quality internal audit, regulatory compliance, independent BSA/AML/OFAC reviews, forensic audits/reviews, loan quality reviews, IT audits, independent NACHA/ACH reviews, Board of Director and employee training, and other audit consulting services to financial institutions. In this fast-paced environment of regulatory change, we provide an "internal audit function" to assist and counsel management rather than only assuming the role of another external reporting entity. Banks find it cost-effective to retain the services of experts with extensive backgrounds in both Bank management and industry audit experience. We are also available to assist in the completion of specific projects, or help with internal control or compliance issues identified. Phil Pearigen, owner of the company, is a certified public accountant, with 30 plus years of experience in community banks. The primary associates hold various regulatory certifications, and have held bank officer positions at a variety of levels throughout all areas of banking, in addition to many years of both internal and external audit experience.

PricewaterhouseCoopers has a global network of over 200,000 people in 150 countries working collaboratively to solve our client's complex business problems. Our Financial Services industry practice consists of more than 2,500 professionals in the US and 34,000 globally. In Florida, PwC's banking industry practice encompasses more than 100 professionals, including eight partners, who serve a wide range of premier banking and financial services clients.

SBS CyberSecurity (SBS) is a premier cybersecurity consulting and audit firm. Since 2004, SBS has been dedicated to assisting organizations with the implementation of valuable risk management programs and to mitigating cybersecurity risks. The company has provided cybersecurity solutions to over 1,300 organizations across the United States and abroad, including financial institutions ranging in asset size from $12 million to over $20 billion. SBS delivers unique, turnkey solutions tailored to each client's needs, including cybersecurity risk management software, consulting services, network security, IT audit, and education. SBS CyberSecurity empowers customers to make more informed security decisions and trust the safety of their data.

With over two decades of banking experience SteeleVantage's consulting, coaching and training services deliver customized solutions and support that will elevate the performance of leaders, sales and service teams to accelerate the results your company needs to be successful, now and into the future.

Who Is Strategic Risk Associates (SRA)?
SRA is a national consulting and advisory firm specializing in the banking and financial services industry. Our team has the credentials and experience to help solve your issues and build your franchise. We provide fast, efficient, and practical M&A due diligence, loan stress testing, loan review, ERM Watchtower Online, risk consulting, internal audit, loan review and cybersecurity services, and our analysis and recommendations will be direct, unequivocal and based on best practices.

Established in 1976 by the legendary William H. Strunk, Strunk is a consulting company recognized nationally for the innovative design, development, and implementation of sustainable profit improvement solutions for community banks. The firm's reputation is built on more than three decades of providing expert, objective, unbiased and independent advisory service to banks, thrifts and other financial institutions. Strunk has advised thousands of client institutions throughout the United States.

Invictus Consulting Group® has pioneered methodologies that have changed how banks approach strategic and capital planning, stress testing, asset loan management, and mergers and acquisitions. We deliver our groundbreaking bank analytics and strategic advisory services to the approximately 6,500 community banks in the U.S., as well as D&O insurers and regulators.
We consider the impact of regulatory capital requirements in every analysis. Our patent-pending forward-looking analytics allow banks to tell regulators and investors how capital will fare in strategic plans – whether it’s organic growth, a merger or acquisition, or even a dividend payout. Our groundbreaking analytics facilitate individual and relative analysis of bank capital adequacy, pro forma performance, and calculations of a bank’s FreeCapital™.

The Omnia Group, Inc. is a management and personnel consulting firm located in Tampa, Florida. Our quick, easy and accurate personality-based hiring tools for pre-employment screening have helped employers make more informed hiring decisions and manage their existing employees for increased performance and long-term retention.

TIB is a full service bankers' bank, providing correspondent banking products and services to nearly 2,000 community banks in 50 states across the country. In addition, TIB is owned by more than 480 of the very community banks it serves. The Bank was chartered in 1981 and has been the "trusted partner" of independent banks of all sizes for over 30 years. Our customer banks have come to know us as a "strong, stable and secure" partner on whom they can rely in any economic cycle. TIB can be found on the internet at www.mybankersbank.com.

We have provided services for many of the nation's largest lending institutions, as well as smaller, more localized banks on projects ranging in size from $500,000 to over $200,000,000. Our understanding of a lender's interest during the construction process has resulted in an enviable series of successful relationships that continue to expand. We take great pride in our ability to move quickly on the issues that matter the most to a client, lender, or investment firm, and to keep them appraised constantly and accurately on the status of construction projects.

Warren Averett is a nationally recognized firm ranking among the nation's largest firms and serving some of the South's largest companies (see rankings below). In addition to these rankings, Warren Averett is a registered member of the Public Company Accounting Oversight Board (PCAOB). We are also included among the AICPA's Major Firms Group, an elite group of privately owned accounting firms. Membership in this prestigious group affords Warren Averett the opportunity to exchange views on particular issues with other substantial accounting firms throughout the U.S.

The Correspondent Division of CenterState Bank is a full service unit with an extensive network of bank and other institutional relationships throughout the United States. With over eighty employees dedicated to correspondent services, we manage over 600 relationships in 40 states.

DocuSign is changing how business gets done by empowering more than 300,000 companies and 200 million users in 188 countries to send, sign and manage agreements digitally - anytime, anywhere, on any device with trust and confidence. DocuSign helps keep life and business moving forward.

First National Banker’s Bank is the nation’s oldest national banker’s bank, chartered in 1984 with the sole purpose of serving community bank’s unique needs. Our goal is to be your single-source provider. We are certain the scope and quality of FNBB’s products and services will exceed your expectations.

Founded by community bankers in 1997, PCBB was created with the sole purpose of helping community based financial institutions become stronger. Our goal was to create an organization that could provide fellow bankers with high-quality, competitively-priced correspondent banking solutions and personalized service. PCBB provides a comprehensive set of products and services covering multiple areas important to community banks, including: correspondent and commercial banking, hedging, and international. PCBB also offers a variety of consulting services ranging from asset liability management, relationship profitability, loan reserve analysis, and stress testing. Our services are designed to help you compete more effectively, but never to compete against you for your own customers.

State Bank delivers a full slate of correspondent banking products to financial institutions across the nation. Along with unmatched professionalism, experience and knowledge we enable you to offer your customers an expanded line of services that might otherwise require the addition of employees to your staff. The result: more revenue, happier customers, and more confidence in your strategic direction. Look to State Bank for liquidity management, Fed Funds accommodations, wholesale mortgage services, commercial real-estate loan participations and payroll and HR consulting services.

TIB is a full service bankers' bank, providing correspondent banking products and services to nearly 2,000 community banks in 50 states across the country. In addition, TIB is owned by more than 480 of the very community banks it serves. The Bank was chartered in 1981 and has been the "trusted partner" of independent banks of all sizes for over 30 years. Our customer banks have come to know us as a "strong, stable and secure" partner on whom they can rely in any economic cycle. TIB can be found on the internet at www.mybankersbank.com.

Absolute Financial Equipment is a full-service provider of banking equipment, specializing in fully refurbished or new ATMs. We provide your financial institution with complete solutions for all of your ATM projects from recommending the appropriate unit, providing the hardware, delivery, coordinating the installation, set-up and bring live, to on-going 1st and 2nd line maintenance. We also provide interactive teller ATMs, teller cash recyclers, cash counters, coin counters, pin encoders, kiosks, surrounds and other associated financial equipment and services. Let us help you with ADA and PCI compliance at your ATMs.

CashTrans serves over 1,200 financial institutions, retailers, small businesses and city/county governments across the Southeast. Since 1996, we have provided exceptional products/services, plus cost efficient high-quality branch and ATM equipment, ATM turn-key outsourcing solutions, ATM driving/processing, and consulting. As a Diebold Certified Dealer, we offer a full range of advanced Diebold branch equipment including, cash recyclers, safes, security systems, VAT Systems, custom solutions and more. CashTrans is also authorized to sell and service many other major equipment brands. Our clients deserve and expect only the best and we commit that we will earn your business every day!

CashTrans serves over 1,200 financial institutions, retailers, small businesses and city/county governments across the Southeast. Since 1996, we have provided exceptional products/services, plus cost efficient high-quality branch and ATM equipment, ATM turn-key outsourcing solutions, ATM driving/processing, and consulting. As a Diebold Certified Dealer, we offer a full range of advanced Diebold branch equipment including, cash recyclers, safes, security systems, VAT Systems, custom solutions and more. CashTrans is also authorized to sell and service many other major equipment brands. Our clients deserve and expect only the best and we commit that we will earn your business every day!

Computer Services, Inc. (CSI) is a customer service company that delivers innovative technology solutions to financial institutions nationwide. A total solutions provider, CSI offers core processing, managed services, mobile and Internet solutions, payments processing, electronic and print distribution, and regulatory compliance solutions. With 50 years as an industry leader in innovation and service, CSI serves financial institutions as a trusted technology partner that understands their needs and delivers solutions that empower them to be more competitive, compliant and profitable

DocuSign is changing how business gets done by empowering more than 300,000 companies and 200 million users in 188 countries to send, sign and manage agreements digitally - anytime, anywhere, on any device with trust and confidence. DocuSign helps keep life and business moving forward.

Finastra unlocks the potential of people and businesses in finance, creating a platform for open innovation. Formed in 2017 by the merger of Misys and D+H, Finastra is the third largest Fintech company in the world. We deliver the broadest portfolio of mission critical solutions for financial institutions of all sizes, on premises or in the cloud. Trusted by more than 9,000 financial institutions, government agencies and corporations across 130 countries, our solutions accelerate growth, improve experience, optimize cost and mitigate risk. We have a diverse customer base including 48 of the world's top 50 banks. By placing our clients' needs at the center of everything we do, we help them expand their services and increase value faster.

FIS is a global leader in financial services technology, with a focus on retail and institutional banking, payments, asset and wealth management, risk and compliance, and outsourcing solutions. Through the depth and breadth of our solutions portfolio, global capabilities and domain expertise, FIS serves more than 20,000 clients in over 130 countries. Headquartered in Jacksonville, Fla., FIS employs more than 53,000 people worldwide and holds leadership positions in payment processing, financial software and banking solutions. Providing software, services and outsourcing of the technology that empowers the financial world, FIS is a Fortune 500 company and is a member of Standard & Poor's 500® Index. For more information about FIS, visit www.fisglobal.com.

Fiserv is driving innovation in Payments, Processing Services, Risk & Compliance, Customer & Channel Management and Insights & Optimization. A global leader in financial services technology, Fiserv is a FORTUNE 500 company and one of FORTUNE magazine's World's Most Admired Companies.
Our solutions help more than 13,000 banks, credit unions and thrifts, billers, mortgage lenders and leasing companies, brokerage and investment firms, and other business clients deliver financial services at the speed of life. Fiserv solutions enable our clients to create financial experiences that enhance the way people live and work today. Visit fiserv.com to learn more

HTx Services is a global IT infrastructure and ATM Services Company. We provide a full suite of technical and consulting services that are designed to ensure that your firm is prepared to take advantage of the technology enhancements of the future.

Jack Henry Banking®, a division of Jack Henry & Associates, Inc.®, is a leading provider of integrated computer systems for banks ranging from de novo to multi-billion dollar institutions. Jack Henry Banking currently serves approximately 1,100 banks as a single source for integrated, enterprise-wide automation and as a single point of contact and support. Additional information is available at www.jackhenrybanking.com.

Payment Alliance International is the nation's largest, privately-held provider of ATMs, offering a complete customizable suite of ATM programs to meet the specific needs of Financial Institutions and their customers. Our Financial Institution ATM solutions allow you to grow both consumer and commercial account business in a smart and cost effective way.

STS Group, formed by front-line technicians, understands customer service is top priority. With an intense focus on service, STS has experienced tremendous growth, becoming the Southeast region's strongest provider of financial security equipment and ATMs. With involvement in LSCU, CUES, and B2L, our reputation is quickly spreading throughout the region.

TIB is a full service bankers' bank, providing correspondent banking products and services to nearly 2,000 community banks in 50 states across the country. In addition, TIB is owned by more than 480 of the very community banks it serves. The Bank was chartered in 1981 and has been the "trusted partner" of independent banks of all sizes for over 30 years. Our customer banks have come to know us as a "strong, stable and secure" partner on whom they can rely in any economic cycle. TIB can be found on the internet at www.mybankersbank.com.

As IT and Banking Operations meld together in today's operational environment, AaSys provides a total solution for community banks. From selecting the optimum core or ancillary solution provider to providing implementation assistance, AaSys harnesses unparalleled technical expertise for our community bank clients. By engaging AaSys, an overwhelming process is made organized and clients are able to make educated decisions. AaSys' IT Consultants help community banks meet regulatory and security mandates. AaSys Network Support Engineers provide onsite expertise as well as remote Help Desk management. AaSys designs customized DR Solutions as well as providing testing documentation to meet regulatory mandates.

All Covered Finance is a trusted advisor offering IT, security, compliance and infrastructure services to financial organizations. We help leverage today's technology to solve business problems. We provide a comprehensive suite of cloud, managed and professional services which enables our clients to effectively execute their business strategy. Moreover, our highly skilled staff of consultants, engineers and support professionals have the regulatory and compliance expertise to successfully assist with government regulations and third party audits.

Computer Services, Inc. (CSI) is a customer service company that delivers innovative technology solutions to financial institutions nationwide. A total solutions provider, CSI offers core processing, managed services, mobile and Internet solutions, payments processing, electronic and print distribution, and regulatory compliance solutions. With 50 years as an industry leader in innovation and service, CSI serves financial institutions as a trusted technology partner that understands their needs and delivers solutions that empower them to be more competitive, compliant and profitable

DocuSign is changing how business gets done by empowering more than 300,000 companies and 200 million users in 188 countries to send, sign and manage agreements digitally - anytime, anywhere, on any device with trust and confidence. DocuSign helps keep life and business moving forward.

Enterprise Risk Management (ERM) is an Information Security and IT Risk Management consulting firm that serves clients in 22 industries for the last 19 yrs. Services include strategy, assessments, remediation, implementation, digital forensics, products and security awareness training. Our approach is to help organizations reduce risks, achieve their objectives, and manage the unknown.

Finastra unlocks the potential of people and businesses in finance, creating a platform for open innovation. Formed in 2017 by the merger of Misys and D+H, Finastra is the third largest Fintech company in the world. We deliver the broadest portfolio of mission critical solutions for financial institutions of all sizes, on premises or in the cloud. Trusted by more than 9,000 financial institutions, government agencies and corporations across 130 countries, our solutions accelerate growth, improve experience, optimize cost and mitigate risk. We have a diverse customer base including 48 of the world's top 50 banks. By placing our clients' needs at the center of everything we do, we help them expand their services and increase value faster.

FIS is a global leader in financial services technology, with a focus on retail and institutional banking, payments, asset and wealth management, risk and compliance, and outsourcing solutions. Through the depth and breadth of our solutions portfolio, global capabilities and domain expertise, FIS serves more than 20,000 clients in over 130 countries. Headquartered in Jacksonville, Fla., FIS employs more than 53,000 people worldwide and holds leadership positions in payment processing, financial software and banking solutions. Providing software, services and outsourcing of the technology that empowers the financial world, FIS is a Fortune 500 company and is a member of Standard & Poor's 500® Index. For more information about FIS, visit www.fisglobal.com.

Fiserv is driving innovation in Payments, Processing Services, Risk & Compliance, Customer & Channel Management and Insights & Optimization. A global leader in financial services technology, Fiserv is a FORTUNE 500 company and one of FORTUNE magazine's World's Most Admired Companies.
Our solutions help more than 13,000 banks, credit unions and thrifts, billers, mortgage lenders and leasing companies, brokerage and investment firms, and other business clients deliver financial services at the speed of life. Fiserv solutions enable our clients to create financial experiences that enhance the way people live and work today. Visit fiserv.com to learn more

Focus Audits, a Limited liability corporation (LLC), is a provider of Audit Services, Compliance Services, and Independent Risk Consulting for the Financial Services Industry. We help clients identify, assess, and manage operational and technology risks encountered in the industry, and assist in the monitoring of those risks.

HTx Services is a global IT infrastructure and ATM Services Company. We provide a full suite of technical and consulting services that are designed to ensure that your firm is prepared to take advantage of the technology enhancements of the future.

Jack Henry Banking®, a division of Jack Henry & Associates, Inc.®, is a leading provider of integrated computer systems for banks ranging from de novo to multi-billion dollar institutions. Jack Henry Banking currently serves approximately 1,100 banks as a single source for integrated, enterprise-wide automation and as a single point of contact and support. Additional information is available at www.jackhenrybanking.com.

MPA Systems, Inc. provides modular bank buildings for financial institutions, and offers enrollment in our Disaster Recovery Program, which guarantees delivery of a fully-equipped unit in the event of a disaster. MPA’s modular units are available for lease or purchase and combine portability with the integrity of a permanent structure.

Our firm is a full service audit, accounting, tax and consulting firm. Since our inception in 1999 we have specialized in providing high quality, personal services to financial institutions. We have extensive experience in performing external and internal audit services, compliance monitoring and evaluation services relating to BSA/AML, BSA system validation, consumer and lending regulations, loan portfolio quality reviews, information technology audits and systems evaluations and disaster recovery audits.
Our staff of over 50 professionals performs services for community and regional financial institutions. We have assisted numerous banks in complying with Consent Orders and Cease and Desist Orders from State and Federal Regulators.
We are an independent member firm of Polaris International an international association of independently owned and operated CPA Firms with over 200 member firms with representation in 90 countries throughout the world.

SBS CyberSecurity (SBS) is a premier cybersecurity consulting and audit firm. Since 2004, SBS has been dedicated to assisting organizations with the implementation of valuable risk management programs and to mitigating cybersecurity risks. The company has provided cybersecurity solutions to over 1,300 organizations across the United States and abroad, including financial institutions ranging in asset size from $12 million to over $20 billion. SBS delivers unique, turnkey solutions tailored to each client's needs, including cybersecurity risk management software, consulting services, network security, IT audit, and education. SBS CyberSecurity empowers customers to make more informed security decisions and trust the safety of their data.

Suncoast Business Technologies / Ring Authority is your full service technology partner specializing in making your business faster, safer and more efficient. With a wide range of services including IT, Network Management & Security, Cloud Computing, VOIP systems and more, you'll be able to focus on your business while allowing our team to ensure that your technology systems are providing you the strategic advantages needed to stay competitive.

Warren Averett is a nationally recognized firm ranking among the nation's largest firms and serving some of the South's largest companies (see rankings below). In addition to these rankings, Warren Averett is a registered member of the Public Company Accounting Oversight Board (PCAOB). We are also included among the AICPA's Major Firms Group, an elite group of privately owned accounting firms. Membership in this prestigious group affords Warren Averett the opportunity to exchange views on particular issues with other substantial accounting firms throughout the U.S.

Ascensus helps more than 7 million Americans save for the future-retirement, college, and healthcare- through technology-enabled solutions. With more than 35 years of experience, the firm offers tailored solutions that meet the needs of asset managers, banks, credit unions, state governments, financial professionals, employers, and individuals. Ascensus supports approximately 50,000 retirement plans, more than 4 million 529 college savings accounts, and a growing number of ABLE savings accounts. It also administers more than 1.6 million IRAs and health savings accounts. As of June 30, 2017, Ascensus had over $155 billion in total assets under administration. For more information about Ascensus, visit www.ascensus.com.

The Center for Practical Management exists for one purpose only, to partner with clients who are serious about releasing employee potential and leveraging that potential to grow their business, achieve their goals, and maximize return on investment in human resource development.

We collaborate with your management team over the entire duration of our relationship to: -Customize a system of management activities and tools unique to your organization -Implement, track, evaluate, train, and reinforce your use of the Practical Management System™ -Hold your managers accountable for taking ownership of the system -Celebrate your performance successes and ever increasing results

The Correspondent Division of CenterState Bank is a full service unit with an extensive network of bank and other institutional relationships throughout the United States. With over eighty employees dedicated to correspondent services, we manage over 600 relationships in 40 states.

The Center for Financial Training (CFT) - provides financial services education, training and technology to financial services professionals throughout the United States and around the world. CFT is the largest industry-sponsored adult education program. CFT training and education programs provide job specific skills and knowledge to the financial services industry. CFT is the educational arm of the American Bankers Association and courses are part of a national continuing education curriculum. Completion of prescribed programs can lead to industry-recognized ABA/CFT diplomas and certificates, obtain nationally recognized designation, assist in professional licensing requirements and also meet college credit and degree requirements. CFT programs are available whenever and wherever you need them. CFT classroom training includes full-length and accelerated courses as well as seminars. CFT online training is both instructor-led and self-paced. Other formats include webinars, correspondence study, testing out and customized training for in-house presentation. Online courses are available on a per user basis or license agreement. CFT also provides High School programs such as the Future Bankers Camp, internships opportunities and Financial Literacy workshops. With over 114 years of experience, the Center For Financial Training is your leading resource for innovative education and training.

CliftonLarsonAllen is a professional services firm highly specialized in the banking industry. Structured to provide clients with industry insight, the firm delivers assurance, tax, regulatory compliance, information technology, and advisory services. We will help you meet the challenges of a changing environment.

CodeFi Solutions is a bank consulting and software services firm specializing in Construction Lending for Residential, Commercial, SBA, and Builder Line portfolios.
Presidium 360, a software application offered by CodeFi, is a complete end-to end loan administration and management application that enables banks to increase profits, grow their client base, save overhead costs, and guarantees compliance while delivering automated solutions and workflows for the many types of real estate construction lending banks compete for. The all-inclusive platform leads the industry in the management of commercial and residential portfolios. Its robust capabilities solve for the many reporting challenges banks face, reduces audit related incidents, and eliminates the common points of failure that can occur during the loan servicing cycle. Unlike any other solution in the market, Presidium Solutions is an end-to-end risk management tool that is highly configurable and easily integrated with any core system. As an endorsed BancServ vendor, the Presidium 360 application is the most tenured and least expensive software solution in the market today.

DocuSign is changing how business gets done by empowering more than 300,000 companies and 200 million users in 188 countries to send, sign and manage agreements digitally - anytime, anywhere, on any device with trust and confidence. DocuSign helps keep life and business moving forward.

Enterprise Risk Management (ERM) is an Information Security and IT Risk Management consulting firm that serves clients in 22 industries for the last 19 yrs. Services include strategy, assessments, remediation, implementation, digital forensics, products and security awareness training. Our approach is to help organizations reduce risks, achieve their objectives, and manage the unknown.

ePayResources is a trade association celebrating over 40 years providing payments expertise, professional development, and industry leadership to financial institutions and businesses. We help our members be informed, compliant, and competitive with services that include education, publications, compliance support, risk management resources, and advocacy. As a trusted payments industry leader, we help our members successfully participate in electronic payments by providing the best possible tools for understanding obligations under the ACH Operating Rules and other payment rules and regulations, thereby minimizing risk. Our Accredited ACH Professional and National Check Professional staff stay on top of the latest industry developments, so we are always prepared to provide the highest level of support on our toll-free Payments Answerline™. We are the developers of the ProceduresNow! ACH policies and procedures product; and the AgreementsNow! suite of product service agreements. ePayResources is one of the largest Regional Payments Associations in the country. Our subsidiary company, ePayAdvisors, provides audit and risk assessment services for ACH, Wire and Remote Deposit Capture, and payments consulting. Headquartered in Dallas, we also have offices in Virginia, North Carolina, Florida, and Alabama. Follow us on Facebook, Twitter, LinkedIn, YouTube.

Finastra unlocks the potential of people and businesses in finance, creating a platform for open innovation. Formed in 2017 by the merger of Misys and D+H, Finastra is the third largest Fintech company in the world. We deliver the broadest portfolio of mission critical solutions for financial institutions of all sizes, on premises or in the cloud. Trusted by more than 9,000 financial institutions, government agencies and corporations across 130 countries, our solutions accelerate growth, improve experience, optimize cost and mitigate risk. We have a diverse customer base including 48 of the world's top 50 banks. By placing our clients' needs at the center of everything we do, we help them expand their services and increase value faster.

First Housing is a quasi-public corporation stock held by 15 banks, 9 of which participate in a lending pool to provide financing for rental communities in Florida serving low to moderate income families. First Housing provides professional services to housing finance agencies such as credit underwriting, mortgage and compliance servicing. First Housing is an FHA approved mortgagee. In addition, First Housing offers web courses, workshops, and personalized training in affordable property compliance, Davis Bacon & Section 3, and career development.

ICBA Securities provides a full suite of investment products and services for community banks through its exclusive broker, Vining Sparks. Included are traditional fixed-income securities, interest rate products, whole loans, M&A and valuation services, and investment advisory services. Vining Sparks also has state-of-the-art asset/liability and bond accounting products. ICBA Securities, a wholly-owned subsidiary of the ICBA, provides a full calendar of educational events for community bankers and investment professionals.

JMFA is one of the most trusted names in the industry helping community banks improve their performance and profitability. Whether it's identifying new revenue opportunities, reducing net operating costs, serving account holders better, delivering a 100% compliant overdraft program, or finding the perfect personnel fit?JMFA has the right solutions to help their clients not only meet, but exceed, their goals. We are proud to be a preferred provider among many industry groups.

We offer the banking community solutions for implementing and financing executive benefit programs, administration of bank-owned life insurance (BOLI), non-qualified benefit plans, and accounting and regulatory compliance services through a network of account executives and consultants, an industry-leading web-based reporting system accessible 24/7, and proprietary risk-management and regulatory tools.

Performance Trust Capital Partners, LLC strategically partners with community financial institutions, with the aim of producing significant improvement in their long-term performance. We teach our disciplined methodology through Performance Trust University®, a premier fixed-income portfolio education program designed to help clients acquire the tools to ask the right questions and make beneficial decisions for their institutions.

SBS CyberSecurity (SBS) is a premier cybersecurity consulting and audit firm. Since 2004, SBS has been dedicated to assisting organizations with the implementation of valuable risk management programs and to mitigating cybersecurity risks. The company has provided cybersecurity solutions to over 1,300 organizations across the United States and abroad, including financial institutions ranging in asset size from $12 million to over $20 billion. SBS delivers unique, turnkey solutions tailored to each client's needs, including cybersecurity risk management software, consulting services, network security, IT audit, and education. SBS CyberSecurity empowers customers to make more informed security decisions and trust the safety of their data.

The Step Up For Students Tax Credit Scholarship Program is an innovative initiative that allows any company who pays Florida Corporate Income Tax or Insurance Premium Tax to redirect a portion of those taxes to provide educational scholarships for low-income children. Qualifying parents can use these scholarships to send their child to the K-12 public or private school that best meets their child's learning needs. Corporations receive a dollar-for-dollar tax credit with the state, therefore allowing corporations to redirect funds that they must already pay to the state of Florida to educate at-risk students. For banks, there is an added benefit in participating as examiners at bank CRA regulatory agencies have approved dollars transferred to fund scholarships through Step Up For Students to qualify for positive consideration under the CRA investment test. In the past nine years, the corporate community has pledged over $1.7 billion to this initiative and we currently serve nearly 70,000 students annually. Step Up For Students has maintained its position with a small but special group of nonprofits by receiving Charity Navigator's seventh consecutive four-star rating for its ability to efficiently manage and grow its finances. For more information, please visit our website: www.stepupforstudents.org.

The Omnia Group, Inc. is a management and personnel consulting firm located in Tampa, Florida. Our quick, easy and accurate personality-based hiring tools for pre-employment screening have helped employers make more informed hiring decisions and manage their existing employees for increased performance and long-term retention.

DocuSign is changing how business gets done by empowering more than 300,000 companies and 200 million users in 188 countries to send, sign and manage agreements digitally - anytime, anywhere, on any device with trust and confidence. DocuSign helps keep life and business moving forward.

HTx Services is a global IT infrastructure and ATM Services Company. We provide a full suite of technical and consulting services that are designed to ensure that your firm is prepared to take advantage of the technology enhancements of the future.

OmniMetrix created the first wireless monitor for on-site power generation, setting a new standard in remote monitoring. OmniMetrix has remained the industry leader ensuring generator reliability, providing valuable data insight and providing a cost-effective, easy-to-install solution. Our solutions can prevent up to 95% of a generators fail-to-start event.

Akerman LLP is a leading transactions and trial law firm known for its core strengths in middle market M&A, within the financial services and real estate industries, and for a diverse Latin America practice. With more than 650 lawyers and government affairs professionals and a network of 24 offices, Akerman is ranked among the top 100 law firms in the United States by The American Lawyer (2017). Akerman also is ranked among the top 100 law firms for diversity in The American Lawyer's Diversity Scorecard (2017). Akerman is one of the leading providers of legal services to the financial community in the United States. Our team represents domestic and foreign banks, insurance companies, commercial credit companies, arrangers and syndication agents, and other financial institutions in a wide array of banking and litigation activities. Akerman has served the banking industry for more than 80 years and has been integrally involved in the drafting of laws and regulations governing financial institutions at the state and national level. Akerman has also served as General Counsel to the Florida Bankers Association for more than 50 years.

Allen C. Ewing & Co. has provided investment banking services to its clients for 40 years, and has specialized in serving the banking industry in Florida. Ewing has been active in underwriting public offerings of Florida community banks and thrifts, and has represented over 60 Florida financial institutions in merger transactions. The firm provides fairness opinions, valuations of shares of closely-held banks and thrifts, ESOPS, market appraisals for community banks and thrifts, and commercial real estate brokerage.

Bankers Healthcare Group, Inc. (BHG) has developed a nationally recognized niche in healthcare financing. BHG sells quality loans from medical professionals to community banks nationwide. Our commercial medical loan program is a great way for your bank to diversify its current loan portfolio. Additionally BHG is a great supplement for meeting loan growth goals as well as a source for generating income!

Banks Street Partners, LLC ("BSP") is an investment banking firm that serves financial institutions in the southeastern U.S. With three decades of experience and more than 500 transactions in the financial services sector, Lee Burrows formed BSP in 2009 to help clients navigate through a challenging period for our nation's community financial institutions. Since then, BSP has built a team with more than 100 years of combined professional experience in investment banking, equity research, reporting, accounting and law.
Since its formation, BSP has assisted clients in every type of transaction a community bank or thrift might consider, including: whole bank mergers and acquisitions; branch sales and purchases; FDIC-assisted purchase-and-assumption agreements; capital raises; non-performing asset bulk sales; and strategic planning.

The Correspondent Division of CenterState Bank is a full service unit with an extensive network of bank and other institutional relationships throughout the United States. With over eighty employees dedicated to correspondent services, we manage over 600 relationships in 40 states.

The Center for Financial Training (CFT) - provides financial services education, training and technology to financial services professionals throughout the United States and around the world. CFT is the largest industry-sponsored adult education program. CFT training and education programs provide job specific skills and knowledge to the financial services industry. CFT is the educational arm of the American Bankers Association and courses are part of a national continuing education curriculum. Completion of prescribed programs can lead to industry-recognized ABA/CFT diplomas and certificates, obtain nationally recognized designation, assist in professional licensing requirements and also meet college credit and degree requirements. CFT programs are available whenever and wherever you need them. CFT classroom training includes full-length and accelerated courses as well as seminars. CFT online training is both instructor-led and self-paced. Other formats include webinars, correspondence study, testing out and customized training for in-house presentation. Online courses are available on a per user basis or license agreement. CFT also provides High School programs such as the Future Bankers Camp, internships opportunities and Financial Literacy workshops. With over 114 years of experience, the Center For Financial Training is your leading resource for innovative education and training.

CliftonLarsonAllen is a professional services firm highly specialized in the banking industry. Structured to provide clients with industry insight, the firm delivers assurance, tax, regulatory compliance, information technology, and advisory services. We will help you meet the challenges of a changing environment.

Directed Capital is a U.S. national distressed asset workout specialist firm that opportunistically acquires, manages and repositions distressed commercial mortgage loans in the $1 million to $10 million range. Operating in the alternative investment space, Directed Capital has consistently provided its investors with superior returns that are traditionally uncorrelated with the market.

DocuSign is changing how business gets done by empowering more than 300,000 companies and 200 million users in 188 countries to send, sign and manage agreements digitally - anytime, anywhere, on any device with trust and confidence. DocuSign helps keep life and business moving forward.

Donnelly Penman & Partners is one of the largest independently owned, middle-market investment banking firms headquartered in the Midwest. Our experienced team provides a full range of corporate finance and financial advisory services to both public and private companies, including capital raising, mergers and acquisitions, and general financial advisory services such as fairness opinions and valuations. Our expertise in the automotive, industrial, and financial institution industries allows us to provide our clients with the highest level of creativity and transaction execution available to the middle market. Our global capabilities, extensive experience, and strong client commitment has earned us an unparalleled track record of success in the industries we serve. Donnelly Penman & Partners is owned by the employees of the firm, who have participated in more than 275 transactions since the firm's inception in September 2000, and our professionals have more than 110 years of investment banking experience collectively. In addition, we are a FINRA licensed broker dealer and a member SIPC firm.

FHLBank Atlanta is a cooperative bank that offers competitively priced financing, community development grants, and other banking services to help member financial institutions make affordable home mortgages and provide economic development credit to neighborhoods and communities. The Bank's members - its shareholders/customers - are commercial banks, credit unions, savings institutions, community development financial institutions, and insurance companies located in Alabama, Florida, Georgia, Maryland, North Carolina, South Carolina, Virginia, and the District of Columbia.

FIG Partners forges deep, long lasting relationships between community banks, community bank shareholders and community bank investors through research, market making, investment banking and fixed income services. Our Investment Banking team is dedicated to providing capital market services, M&A advisory and valuation analysis with a unique appreciation of the needs of smaller institutions.

First National Banker’s Bank is the nation’s oldest national banker’s bank, chartered in 1984 with the sole purpose of serving community bank’s unique needs. Our goal is to be your single-source provider. We are certain the scope and quality of FNBB’s products and services will exceed your expectations.

Fiserv is driving innovation in Payments, Processing Services, Risk & Compliance, Customer & Channel Management and Insights & Optimization. A global leader in financial services technology, Fiserv is a FORTUNE 500 company and one of FORTUNE magazine's World's Most Admired Companies.
Our solutions help more than 13,000 banks, credit unions and thrifts, billers, mortgage lenders and leasing companies, brokerage and investment firms, and other business clients deliver financial services at the speed of life. Fiserv solutions enable our clients to create financial experiences that enhance the way people live and work today. Visit fiserv.com to learn more

FTN Financial is an industry leader in fixed income sales, trading, and strategies for institutional customers in the U.S. and abroad. We also provide investment services and balance sheet management solutions. With an average daily trading volume of $5+ billion, FTN transacts business with approximately 40% of all domestic depositories with portfolios over 100 million, and approximately 50% of all U.S. banks with portfolios over 100 million.1

The Hovde Group is a nationwide investment bank focused exclusively on the financial services industry, specializing in providing a variety of investment banking and financial advisory services to community banks and thrifts. Founded in 1987, the firm has advised over 300 merger and acquisition transactions representing an aggregate deal value of over $25 billion, as well as approximately $7.5 billion in branch transactions. Hovde’s experienced team of Florida-dedicated professionals continues to be the most active advisor to Florida community banks and thrifts, providing investment banking, capital raising, and strategic advisory services to clients across the state. Client driven and results-oriented, the firm’s seasoned principals and bankers are committed to providing superior, value-added advice.

ICBA Securities provides a full suite of investment products and services for community banks through its exclusive broker, Vining Sparks. Included are traditional fixed-income securities, interest rate products, whole loans, M&A and valuation services, and investment advisory services. Vining Sparks also has state-of-the-art asset/liability and bond accounting products. ICBA Securities, a wholly-owned subsidiary of the ICBA, provides a full calendar of educational events for community bankers and investment professionals.

Main Street partners with the underserved, community-oriented financial institution who desires a personal customer service model in their checking, analytics, and marketing programs. Our simplified approach equips businesses with the information, tools and solutions needed to win in today's market. Whether you are trying to acquire, retain, or expand customer relationships, Main Street provides a cost-effective, straightforward, partnership to meet your goals.

We offer the banking community solutions for implementing and financing executive benefit programs, administration of bank-owned life insurance (BOLI), non-qualified benefit plans, and accounting and regulatory compliance services through a network of account executives and consultants, an industry-leading web-based reporting system accessible 24/7, and proprietary risk-management and regulatory tools.

Founded by community bankers in 1997, PCBB was created with the sole purpose of helping community based financial institutions become stronger. Our goal was to create an organization that could provide fellow bankers with high-quality, competitively-priced correspondent banking solutions and personalized service. PCBB provides a comprehensive set of products and services covering multiple areas important to community banks, including: correspondent and commercial banking, hedging, and international. PCBB also offers a variety of consulting services ranging from asset liability management, relationship profitability, loan reserve analysis, and stress testing. Our services are designed to help you compete more effectively, but never to compete against you for your own customers.

Pentegra Retirement Services is a leading provider of retirement plan, fiduciary outsourcing and benefits financing solutions to community banks nationwide, Founded by the Federal Home Loan Bank System more than 70 years ago, today Pentegra manages over 4,000 retirement plans and more than $12 billion in assets.
Pentegra is focused on delivering value-added solutions that include qualified and non-qualified retirement programs designed to help community banks improve retirement plan effectiveness, attract and retain quality employees and build a competitive advantage.
Help your bank drive more successful retirement outcomes for your employees with Pentegra. Call us today at 800.872.3473, visit us at www.pentegra.com.

Performance Trust Capital Partners, LLC strategically partners with community financial institutions, with the aim of producing significant improvement in their long-term performance. We teach our disciplined methodology through Performance Trust University®, a premier fixed-income portfolio education program designed to help clients acquire the tools to ask the right questions and make beneficial decisions for their institutions.

Raymond James & Associates, Inc. (RJA) is one of the largest full service brokerage and investment banking firms headquartered in North America. RJA offers a comprehensive range of capital markets and investment banking services, specializing in advising growth-oriented financial institutions on mergers and acquisitions, capital formation and strategic planning.

Redstone Funding is an affiliate of twenty-four year old Redstone Investments, a full-service real estate company with offices in Tampa, Florida. Today Redstone owns 3.7 million square feet and manages and additional 1.5 million square feet through its management affiliate, Redstone Commercial.
Affiliate Redstone Funding acquires commercial loans directly through its relationships with various financial institutions. While Redstone has the experience and expertise to deal with foreclosed real estate, its primary objective is to realistically project cash flow in order to restructure debt for a win/win outcome for both lender and borrower. As global economic uncertainty remains prevalent, government regulation continues to negatively affect credit markets and a "tidal wave" of commercial mortgage debt matures, Redstone believes opportunity for continued investment in debt instruments remains a solid platform from which to grow. Currently with existing mortgage assets throughout the southeast Redstone Funding looks for first-lien debt of all performance levels throughout the eastern seaboard.

Service Finance Company, LLC is the highest volume FHA Title I Lender in the U.S and a licensed servicer. The company originates property improvement loans nationwide and causes them to be insured against default by FHA. The Company pools the insured loans and offers ownership certificates with an 8% coupon to qualified institutional buyers such as FDIC insured institutions.

Stifel is a full-service wealth management and investment banking firm, established in 1890 and based in St. Louis, Missouri. We offer securities brokerage, investment banking, trading, investment advisory, and related financial services through our wholly owned subsidiaries. Stifel's Fixed Income Group provides the foundation on which we have built our client-centric fixed income business. The Team's unique regulatory and capital markets expertise combined with a philosophy of customized analytics enables Stifel to provide clients with the research, insight, and strategy based on their individual needs. It is this focus that differentiates us in the marketplace.

SunTrust Robinson Humphrey (STRH) is a leading, full-service corporate and investment bank dedicated to helping you successfully manage and grow your company through a comprehensive range of strategic advisory, capital raising, risk management, financing and investment solutions. We also offer a complete array of sales, trading and research services in both fixed income and equity.

Invictus Consulting Group® has pioneered methodologies that have changed how banks approach strategic and capital planning, stress testing, asset loan management, and mergers and acquisitions. We deliver our groundbreaking bank analytics and strategic advisory services to the approximately 6,500 community banks in the U.S., as well as D&O insurers and regulators.
We consider the impact of regulatory capital requirements in every analysis. Our patent-pending forward-looking analytics allow banks to tell regulators and investors how capital will fare in strategic plans – whether it’s organic growth, a merger or acquisition, or even a dividend payout. Our groundbreaking analytics facilitate individual and relative analysis of bank capital adequacy, pro forma performance, and calculations of a bank’s FreeCapital™.

Triad Financial Services, Inc. is a specialty finance company serving the manufactured housing industry since 1959. Triad provides financial institutions with high quality, high yield secured consumer loans. Our turnkey business model allows banks to grow and diversify their loan portfolio with minimal effort, expense or risk. A Triad loan portfolio is the best performing and most secure asset in today's market.

USAA Federal Savings Bank ("USAA") is a federally chartered savings association located in San Antonio, Texas. USAA and its subsidiaries provide deposit products and loans to active, former and retired members of the U.S. military and their families.
USAA's deposit products include checking and savings accounts, CDs, and credit cards. USAA deposits are insured by the Federal Deposit Insurance Corporation up to the applicable limits.
USAA also offers car, truck, boat, and home loans as well as home equity lines of credit.
In addition to its call centers, USAA customers can contact USAA through its website and by mobile phones.

What does this program do?
This program bolsters the existing private credit structure through the guaranteeing of loans for rural businesses, allowing private lenders to extend more credit than they would typically be able to.

Who may apply for this program?
Lenders with legal authority, sufficient experience, and financial strength to operate a successful lending program like:

Federal or State chartered banks

Savings and loans

Farm credit banks

Credit unions

What kind of borrower may the lender request a guarantee for?

For-profit businesses

Nonprofits and cooperatives

Federally-recognized Tribes

Public bodies

Individuals

Are there restrictions on the borrower?

Government or military employees may not own more than 20%

Majority ownership must be held by US citizens or permanent residents (1)

What is an eligible area?

Any area other than a city or town with a population of greater than 50,000 inhabitants and the urbanized area of that city or town.

The borrower's headquarters may be based within a larger city as long as the project is located in an eligible rural area

The lender may be located anywhere

Projects may be funded in rural and urban areas under the Local and Regional Food System Initiative

Warren Averett is a nationally recognized firm ranking among the nation's largest firms and serving some of the South's largest companies (see rankings below). In addition to these rankings, Warren Averett is a registered member of the Public Company Accounting Oversight Board (PCAOB). We are also included among the AICPA's Major Firms Group, an elite group of privately owned accounting firms. Membership in this prestigious group affords Warren Averett the opportunity to exchange views on particular issues with other substantial accounting firms throughout the U.S.

Albion Banking Solutions is an ISO 9001 Certified division of Albion Staffing Solutions, Inc. based in Coral Gables, FL and specialized in the provision of full service staffing solutions in the Banking sector including Temporary, Contract and Direct Hire services. For additional information, please contact Yesenia@AlbionBanking.com or visit www.AlbionBanking.com.

The Center for Practical Management exists for one purpose only, to partner with clients who are serious about releasing employee potential and leveraging that potential to grow their business, achieve their goals, and maximize return on investment in human resource development.

We collaborate with your management team over the entire duration of our relationship to: -Customize a system of management activities and tools unique to your organization -Implement, track, evaluate, train, and reinforce your use of the Practical Management System™ -Hold your managers accountable for taking ownership of the system -Celebrate your performance successes and ever increasing results

As the alternative in insurance brokerage, Crystal & Company provides industry leading insurance brokerage services, solutions and counsel to financial institutions. The company provides a highly consultative approach, leveraging its industry advisory and complex claims management expertise to the benefit of its clients in all lines of commercial insurance and employee benefits.

DocuSign is changing how business gets done by empowering more than 300,000 companies and 200 million users in 188 countries to send, sign and manage agreements digitally - anytime, anywhere, on any device with trust and confidence. DocuSign helps keep life and business moving forward.

We help financial institutions take care of their employees, so they can focus on taking care of their clients. We do this by providing Payroll, Employee Benefits, and Risk Management thus solving your Human Resource problems.

We are 1 of only 15 HR outsourcing companies that are both ESAC & CPEO accredited. This is much like FDIC protection for banks. The accreditation provides the necessary bonding to back the key employer responsibilities which would be assumed by LandrumHR which greatly reduces the banks liability providing you valuable time to focus on your business.

MillsonJames is a recognized leader and knowledge expert in the HR and Benefits technology industry. Our goal is simple - to advance HR through technology. We are fiercely independent and openly share our knowledge and experience with the clients we serve.

We offer the banking community solutions for implementing and financing executive benefit programs, administration of bank-owned life insurance (BOLI), non-qualified benefit plans, and accounting and regulatory compliance services through a network of account executives and consultants, an industry-leading web-based reporting system accessible 24/7, and proprietary risk-management and regulatory tools.

Pentegra Retirement Services is a leading provider of retirement plan, fiduciary outsourcing and benefits financing solutions to community banks nationwide, Founded by the Federal Home Loan Bank System more than 70 years ago, today Pentegra manages over 4,000 retirement plans and more than $12 billion in assets.
Pentegra is focused on delivering value-added solutions that include qualified and non-qualified retirement programs designed to help community banks improve retirement plan effectiveness, attract and retain quality employees and build a competitive advantage.
Help your bank drive more successful retirement outcomes for your employees with Pentegra. Call us today at 800.872.3473, visit us at www.pentegra.com.

SelectSource (formerly FBIT) has been helping independent banks manage their benefits for over 50 years. With SelectSource, you consolidate all your benefit-related administrative and financial processes. You're insulated from compliance risks and get built-in disaster recovery protection. We provide access to a range of HR resources, including on-line enrollment, wellness programs and communication tools for your employees. In 2010, we worked hand in hand with the FBA Association to bring Independent Banks a health insurance pool that has brought predictability and stability to health care cost over time. This makes SelectSource the only one that brings you both administrative and financial relief. Efficiency, support and value - all for ONE administrative source. To find out more about SelectSource call 1-800-368-3248 today.

The Omnia Group, Inc. is a management and personnel consulting firm located in Tampa, Florida. Our quick, easy and accurate personality-based hiring tools for pre-employment screening have helped employers make more informed hiring decisions and manage their existing employees for increased performance and long-term retention.

Endorsed by BancServ, ABA Insurance Services serves the banking industry by offering D&O and bond related insurance to community banks across the country. This unique bank-owned and banker-directed insurance program has been a market leader for over 30 years and is recognized by insurance and banking professionals as a secure, stable and affordable source of coverage. Through the program's mutual reinsurer, American Bankers Mutual Insurance, Ltd., a distribution to banks has been declared for nearly 28 consecutive years, totaling $84.3 million. Contact: Patricia P. Williams, CPCU

Bank Compensation Consulting leads the industry with its approach to servicing its clients with state of the art plan design that assists banks in attracting, retaining and rewarding their leaders through: compensation consulting; design and implementation of customized Executive and Director benefit plans; Bank Owned Life Insurance (BOLI); and ownership succession planning.

As the alternative in insurance brokerage, Crystal & Company provides industry leading insurance brokerage services, solutions and counsel to financial institutions. The company provides a highly consultative approach, leveraging its industry advisory and complex claims management expertise to the benefit of its clients in all lines of commercial insurance and employee benefits.

DocuSign is changing how business gets done by empowering more than 300,000 companies and 200 million users in 188 countries to send, sign and manage agreements digitally - anytime, anywhere, on any device with trust and confidence. DocuSign helps keep life and business moving forward.

Equias Alliance provides implementation and administrative consulting services for non-qualified executive/director benefit programs and bank-owned life insurance (BOLI) to over 1,200 banking organizations across the United States. Equias Alliance is an Endorsed Partner of the FBA and also has the exclusive endorsement of the ABA through its subsidiary, the Corporation for American Banking. In his 25+ years in this business, Managing Consultant Glenn Blackwood has worked with over 150 banking organizations in the southeast. Together with his colleague Joe Schaefer, the Equias Alliance team provides value via a consultative approach, extensive market knowledge and familiarity with banking professionals in the legal, accounting and regulatory arenas.

Hays Companies has been serving the unique risk management, commercial insurance, and employee benefits consulting needs of our clients since 1994. From the start we've focused on providing our clients with measurable results: protecting assets, optimizing costs, adding value, and solving problems. We don't outsize other companies, but we do outthink them. You'll be hard pressed to find a more responsive, innovative, experienced group in which you can place your trust.

KeyState Captive Management, an affiliate of The KeyState Companies, has partnered with the Florida Banker's BankServ, Inc. to offer a unique bank captive insurance program to Florida financial institutions. The Bank Captive Program is designed by national accounting firm Crowe Horwath LLP and then administered by KeyState Captive Management. Banks that fit a certain asset size and earnings criteria can form their own wholly owned captive insurance company to finance risks (that are not commercially insured) in a tax advantaged way.
KeyState's bank captive program has been endorsed by 24 state banking associations or their for profit subsidiaries and at year's end with have over 60 banks participating from 17 different states. KeyState and its affiliates have been working with banks for over 25 years providing Nevada investment subsidiary, portfolio management, and asset liability consulting services.

We offer the banking community solutions for implementing and financing executive benefit programs, administration of bank-owned life insurance (BOLI), non-qualified benefit plans, and accounting and regulatory compliance services through a network of account executives and consultants, an industry-leading web-based reporting system accessible 24/7, and proprietary risk-management and regulatory tools.

Our goal is to be the industry leader of insurance outsourcing, tracking, and technology services to the financial industry. We equip our partners with flexible insurance services, on-site customer help, and technical support. We place a heightened emphasis on security measures taken to ensure the privacy of information shared by our business partners.
OSC's mission is to reduce the burden of managing your lending portfolio with innovative insurance programs and technology.

SelectSource (formerly FBIT) has been helping independent banks manage their benefits for over 50 years. With SelectSource, you consolidate all your benefit-related administrative and financial processes. You're insulated from compliance risks and get built-in disaster recovery protection. We provide access to a range of HR resources, including on-line enrollment, wellness programs and communication tools for your employees. In 2010, we worked hand in hand with the FBA Association to bring Independent Banks a health insurance pool that has brought predictability and stability to health care cost over time. This makes SelectSource the only one that brings you both administrative and financial relief. Efficiency, support and value - all for ONE administrative source. To find out more about SelectSource call 1-800-368-3248 today.

For more than 100 years, Zurich has been a leading provider of insurance solutions to financial institutions. Over the years, we have demonstrated the expertise needed to develop products and services that meet our customers' changing needs, including bonds, management liability, property and casualty, collateral protection and more. Zurich's financial institution products, services and team of experts can help your financial institution prosper in a more regulated, competitive and risk-filled world.

Adams and Reese is a multidisciplinary law firm with over 340 attorneys and advisors in 16 offices in 15 markets strategically located throughout the southern United States and Washington, DC. In Tallahassee, our attorneys have been serving the needs of financial institutions since 1992, providing comprehensive legal services focusing on banking matters, including initial public offerings and secondary stock offerings; regulatory enforcement actions; mergers and acquisitions; securities law compliance and reporting; S Corp elections; tender offers; proxy contests; new bank charters; bank and savings institution regulatory compliance; corporate governance; employee benefits; executive compensation; and taxation. The firm represents clients before the Florida Office of Financial Regulation and federal agencies, including the Board of Governors of the Federal Reserve System, the Securities and Exchange Commission, the Office of the Comptroller of the Currency, the Federal Deposit Insurance Corporation, the Department of the Treasury, and the Department of Labor.

Akerman LLP is a leading transactions and trial law firm known for its core strengths in middle market M&A, within the financial services and real estate industries, and for a diverse Latin America practice. With more than 650 lawyers and government affairs professionals and a network of 24 offices, Akerman is ranked among the top 100 law firms in the United States by The American Lawyer (2017). Akerman also is ranked among the top 100 law firms for diversity in The American Lawyer's Diversity Scorecard (2017). Akerman is one of the leading providers of legal services to the financial community in the United States. Our team represents domestic and foreign banks, insurance companies, commercial credit companies, arrangers and syndication agents, and other financial institutions in a wide array of banking and litigation activities. Akerman has served the banking industry for more than 80 years and has been integrally involved in the drafting of laws and regulations governing financial institutions at the state and national level. Akerman has also served as General Counsel to the Florida Bankers Association for more than 50 years.

At Avila Rodriguez Hernandez Mena & Ferri LLP, we are committed to providing superior and timely client services with innovative and practical solutions to complex business and financial issues. The Firm's broad based commercial practice includes international and domestic business and financial transactions, including a banking regulatory practice that is among the most experienced in Florida: litigation and arbitration, real estate, tax, estate planning and probate; and immigration, nationality and consular law.

With more than 130 attorneys dedicated to banking and financial services, Baker Donelson represents clients across a broad spectrum of the financial sector. Spread across our Firm's 20 offices across the Southeast, Texas and Washington, D.C., our team-based approach allows us to provide prompt, high quality, cost-effective legal services and industry insight for regulatory, transactional, enforcement and litigation matters. Our clients include national and state chartered banks of all sizes; bank holding companies and bank subsidiaries; independent and captive finance companies; broker-dealers and investment advisors; residential and commercial mortgage servicers and special servicers; trusts; wealth management companies and vendors providing goods and services to the banking industry.

Bryan Cave's financial services team, primarily located in Atlanta, Georgia, provides a broad array of legal services to community banks, thrifts, and other financial services companies throughout the United States, as well as investors in such institutions. We seek to combine our legal experience with practical advice that can be acted upon efficiently by clients of all sizes. We have significant experience advising clients on interactions with, and are well known to, the Federal Reserve Bank of Atlanta and FDIC Atlanta District office, as well as the Southern District of the OCC. Our strengths include advising clients on mergers and acquisitions, capital raising, strategic planning, regulatory compliance and de novo bank formation. Our clients also benefit from members of other practice groups who regularly advise community banks in areas such as employee benefits, tax, litigation and trusts and estates.

Established in 1901, Carlton Fields Jorden Burt is one of Florida's oldest and largest full-service law firms. With nearly 400 attorneys serving clients from offices in California, Connecticut, Florida, Georgia, New York, and Washington, D.C., the firm is dedicated to meeting the legal and business needs of banking and financial institutions throughout the Southeast and beyond. The firm handles complex transactions requiring specialized skills in banking, corporate, federal and state securities, tax, and other areas of law. We regularly assist with a broad array of regulatory matters, capital raising activities, and mergers and acquisitions. We also provide representation before all of the federal banking regulators, including the FDIC, OCC, Federal Reserve Board, and, in the case of public company clients, the Securities and Exchange Commission ("SEC"), and applicable state banking regulators.
The firm represents banking and financial institutions in the offer and sale of common and preferred stock, debt offerings (secured and unsecured), recapitalizations, securitizations, and other financing techniques and capital raising through both private placements and public offerings. As part of the expertise necessary to handle such transactions, our lawyers have extensive knowledge of SEC regulations, banking regulations, blue sky laws, and NASD and stock exchange rules such as those dealing with insider trading, beneficial ownership reports, and press releases.
We also counsel and advise our clients in all forms of mergers and acquisitions, including mergers for cash and securities, exchange offers, purchase and assumption agreements, tender offers, and sales of stocks and assets. Our lawyers are well versed in the application of, and compliance with, the relevant corporate and banking law aspects of these transactions (including those relating to the fiduciary duties of directors).
Lawyers also provide advice regarding corporate governance matters, including corporate procedures required to take certain actions; fiduciary duties of officers and directors; D&O insurance matters; and obligations under the various bank regulatory requirements applicable to directors and senior officers. Our firm also counsels troubled banking and financial institutions, as well as officers and directors of troubled institutions, about their obligations under applicable banking regulations. When necessary, we represent such institutions facing regulatory investigations, enforcement actions, and civil proceedings.
We have extensive experience representing banks and other financial service industry clients in state, federal and bankruptcy court litigation, and arbitration. In addition to defending banks in high stakes individual and class action consumer litigation, our lawyers counsel and advise the industry on data security, cyber risk, and compliance with federal and state consumer financial protection laws and regulations including the new Consumer Financial Protection Bureau (CFPB) regulations.
Because of the depth and experience of our lawyers, we are able to provide our bank and financial institution clients with all of their corporate legal needs.

DocuSign is changing how business gets done by empowering more than 300,000 companies and 200 million users in 188 countries to send, sign and manage agreements digitally - anytime, anywhere, on any device with trust and confidence. DocuSign helps keep life and business moving forward.

Established in 1925, Gunster is one of Florida's oldest and largest full-service law firms. The firm is home to more than 170 attorneys and has offices in Boca Raton, Fort Lauderdale, Jacksonville, Miami, Orlando, Palm Beach, Stuart, Tallahassee, Tampa, The Florida Keys, Vero Beach, West Palm Beach and Winter Park. Gunster's Banking and Financial Services Practice enjoys an international reputation for quality and professionalism that stems from successfully representing some of the world's leading financial institutions. The practice is composed of culturally diverse and multilingual attorneys, and its members are committed to being at the forefront of legal issues affecting financial institutions. Our attorneys handle a broad range of matters, including mergers and acquisitions, SEC reporting and compliance, executive compensation, anti-money laundering, Bank Secrecy Act, OFAC compliance, lending, licensing, foreclosures, bankruptcy, lender liability, bank formations, tax, technology and employment. Members are active in numerous bank-focused organizations. Members also frequently speak on topics that are critical to the banking industry. Gunster is Florida's Law Firm for Business.

Since its establishment in 1983, the law firm of Haile, Shaw, & Pfaffenberger, P.A. has become recognized for providing the quality and breadth of legal representation necessary to the success and protection of a highly discerning clientele. The Firm provides representation and support for institutional and individual clients, both national and international, in the major practice areas of:
*Commercial Lending
*Public Finance
*Trust and Estate Planning and Administration
*Corporate Law and Business Planning
*Real Estate Development and Finance
*Commercial and Civil Litigation

Heckman Law Group (HLG) is a boutique litigation law firm that represents financial institutions in state and federal courts throughout Florida. HLG's lawyers provide a full array of legal services and counsel in the areas of consumer and commercial collections, foreclosure, real estate litigation, bankruptcy law and related compliance issues.

Herron Ortiz is an AV-rated boutique law firm specializing in banking litigation. The firm's partners are recognized as "Super Lawyers," "Legal Elite," and/or "Top Lawyers" by rating publications, and regularly represent national and community banks in Florida's state, federal and bankruptcy courts. The firm provides expertise and personal service at competitive rates.

Sound Guidance. Creative Solutions.
Igler Pearlman, P.A. is a boutique law firm whose attorneys offer sound guidance and creative solutions to our client's unique business and regulatory matters. The firm practices in the areas of financial institution regulation, corporate law, public and private securities offerings and compliance, mergers and acquisitions, corporate governance, and executive compensation and employment agreements.
Beginning with selecting or designing a plan of action, continuing throughout the course of a project, and carrying on to post-transaction evaluations, we work closely with a Board of Directors and management team to meet their company’s short and long term objectives. Our goal is to build long term relationships and be active in strategic planning to advance multi-year corporate strategies.

Jimerson & Cobb, a Florida based business law firm with an emphasis on financial services litigation. Our Bankers and Liability Law Group, has extensive experience in representing clients in nearly all aspects of commercial and residential lending, including: loan default litigation; secured and unsecured loan liquidation transactions; bankruptcy matters; lender liability representation; garnishment response, priority disputes between secured creditors and regulatory compliance. The firm is led by a former Chapter and State Board of Directors Member of the Risk Management Association.

Kelley Kronenberg's Financial Services Group has more than 15 attorneys with extensive experience representing and counseling banks, finance companies, and other financial service industry clients in state and federal court litigation, bankruptcy, foreclosure and appeals. Our clients in the financial services industry include national banks, regional banks, finance companies, together with local and national lenders and servicers. Our attorneys help lenders and mortgage holders protect and enforce their rights. Kelley Kronenberg represents and counsels lenders and creditors who face disputes with borrowers and other debtors over a range of matters including filing foreclosure claims, obtaining appointment of receivers, reducing mortgages to judgment, and reclaiming properties through foreclosure sales. In addition, Kelley Kronenberg provides legal services for banks related to their employees and premises, including liability and insurance defense, workers' compensation defense, and labor/employment law.

Luse Gorman, PC is a Washington, D.C. based law firm that specializes in securities, corporate and financial institutions regulatory and transactional law, as well as executive compensation, employee benefits and taxation. Our practice focuses on capital formation, including initial public offerings and incremental or secondary stock offerings; mergers and acquisitions; bank and credit union charter conversions; new bank charters; securities law compliance and reporting; bank and savings institution regulatory compliance; corporate governance; enforcement matters before the Federal and state banking agencies; and employee benefits, executive compensation and taxation. We represent clients on securities and regulatory law matters before the Federal Deposit Insurance Corporation, the Board of Governors of the Federal Reserve System, the Office of the Comptroller of the Currency, the Securities and Exchange Commission, and state securities and banking/savings and loan regulators.

Providing extraordinary legal services in the areas of estate planning, probate and trust administration, elder law, business law and succession planning. At Medina Law Group, P.A. we expect our attorneys to be scholars, not merely practitioners. We hold ourselves to high standards and strive to be experts in our field. By consistently engaging in new law material, we are able to provide our clients with the most relevant and thorough legal counsel.

PEARSON BITMAN LLP is a Florida based law firm with a client-focused philosophy. Although we primarily handle Florida litigation, our practice is national in scope. We handle a wide variety of commercial litigation, including the defense of design and construction professionals, banking/finance/foreclosure matters, product liability defense, breach of warranty/lemon law defense, insurance/subrogation, premises liability, and personal injury/wrongful death defense. We practice in all types of dispute resolution forums and all State and Federal courts in Florida - in litigation, at trial, and as necessary, in an appellate setting.

With three offices in South Florida, our law firm handles all types of commercial litigation, including in the areas of AML/BSA compliance, fraud prevention, asset recovery, creditor's rights, judgment collection, general commercial contracts and construction issues.

More information about the firm, including areas of practice and biographical information about the firm's lawyers, may be found at www.therhlawfirm.com

Shutts & Bowen, founded in 1910, is one of the oldest major law firms in Florida and has offices located in Miami, Ft. Lauderdale, West Palm Beach, Orlando, Sarasota, Tampa, Tallahassee, and Jacksonville. The firm has approximately 270 attorneys who specialize in all phases of commercial law with particular emphasis on the representation of financial institutions. Members of the firm's Financial Institutions Department specialize in regulatory matters, including those affecting the products and services offered by financial institutions, trust and other fiduciary services, merger and acquisition transactions and the formation of new institutions and holding companies, corporate and securities matters, the documentation of financing transactions, both domestic and international, litigation, creditors' rights and remedies, and loan workouts.

Smith Mackinnon, PA is a full service law firm specializing in representing banks, bank holding companies and financial institutions. Our expertise includes a full range of services to depository institutions, including securities and regulatory work, holding company and bank issues, mergers and acquisitions, stock offerings, shareholder and director issues, regulatory matters, employee benefits and other areas of law affecting banks and financial institutions.

Stearns Weaver Miller is a statewide full-service law firm of approximately 115 lawyers with offices in Miami, Tampa, and Ft. Lauderdale. The firm’s lawyers represent federal and state commercial banks, savings bank, and other financial institutions with a special emphasis on the following: regulatory compliance, mergers and acquisitions, change in control/branching/holding company applications, debt and equity offerings, asset securitization, general banking practice, loan documentation, workouts and commercial litigation. The firm’s lawyers have extensive experience before the Office of Thrift Supervision, the Federal Deposit Insurance Corporation, the Comptroller of the Currency, the Federal Reserve Board, the Resolution Trust Corporation and state regulatory authorities.

Zimmerman, Kiser, & Sutcliffe is a full service law firm located in Orlando, Florida, handling matters throughout the State of Florida. ZKS's banking and financial institutions practice group provides legal expertise in all aspects of financial services, including commercial lending, structured finance, special assets and loan workouts, commercial and residential foreclosures, creditors' rights and bankruptcy, defense of lender liability claims, operations management, regulatory compliance, trust and fiduciary administration, and all other facets of banking transactions and litigation.

BankNews Media's family of print, online, digital and mobile publication offers unparalleled marketing opportunities for companies serving the banking industry. No other publisher has the power to cover the nation coast-to-coast and state-by-state in formats tailored to the needs of banking decision-makers. To advertise in Florida Banking or the Florida Banking Blue Book please contact Scott Englert at 913-261-7057 or senglert@banknews.com.

DocuSign is changing how business gets done by empowering more than 300,000 companies and 200 million users in 188 countries to send, sign and manage agreements digitally - anytime, anywhere, on any device with trust and confidence. DocuSign helps keep life and business moving forward.

Finastra unlocks the potential of people and businesses in finance, creating a platform for open innovation. Formed in 2017 by the merger of Misys and D+H, Finastra is the third largest Fintech company in the world. We deliver the broadest portfolio of mission critical solutions for financial institutions of all sizes, on premises or in the cloud. Trusted by more than 9,000 financial institutions, government agencies and corporations across 130 countries, our solutions accelerate growth, improve experience, optimize cost and mitigate risk. We have a diverse customer base including 48 of the world's top 50 banks. By placing our clients' needs at the center of everything we do, we help them expand their services and increase value faster.

Fiserv is driving innovation in Payments, Processing Services, Risk & Compliance, Customer & Channel Management and Insights & Optimization. A global leader in financial services technology, Fiserv is a FORTUNE 500 company and one of FORTUNE magazine's World's Most Admired Companies.
Our solutions help more than 13,000 banks, credit unions and thrifts, billers, mortgage lenders and leasing companies, brokerage and investment firms, and other business clients deliver financial services at the speed of life. Fiserv solutions enable our clients to create financial experiences that enhance the way people live and work today. Visit fiserv.com to learn more

For three decades, Haberfeld's High Performance Growth (HPG) strategy has helped community banks attract and engage profitable consumer and business customers. Haberfeld clients attract twice as many new customers per year compared to average community banks, with long-term, positive effects on all major areas of bank profitability. Over the last decade, Haberfeld has brought its clients 7.5 million new core customers using a comprehensive strategy that encompasses product development, policy consulting, sales methodology, training, marketing, benchmarking, and reporting.

Main Street partners with the underserved, community-oriented financial institution who desires a personal customer service model in their checking, analytics, and marketing programs. Our simplified approach equips businesses with the information, tools and solutions needed to win in today's market. Whether you are trying to acquire, retain, or expand customer relationships, Main Street provides a cost-effective, straightforward, partnership to meet your goals.

The Correspondent Division of CenterState Bank is a full service unit with an extensive network of bank and other institutional relationships throughout the United States. With over eighty employees dedicated to correspondent services, we manage over 600 relationships in 40 states.

DocuSign is changing how business gets done by empowering more than 300,000 companies and 200 million users in 188 countries to send, sign and manage agreements digitally - anytime, anywhere, on any device with trust and confidence. DocuSign helps keep life and business moving forward.

FHLBank Atlanta is a cooperative bank that offers competitively priced financing, community development grants, and other banking services to help member financial institutions make affordable home mortgages and provide economic development credit to neighborhoods and communities. The Bank's members - its shareholders/customers - are commercial banks, credit unions, savings institutions, community development financial institutions, and insurance companies located in Alabama, Florida, Georgia, Maryland, North Carolina, South Carolina, Virginia, and the District of Columbia.

Finastra unlocks the potential of people and businesses in finance, creating a platform for open innovation. Formed in 2017 by the merger of Misys and D+H, Finastra is the third largest Fintech company in the world. We deliver the broadest portfolio of mission critical solutions for financial institutions of all sizes, on premises or in the cloud. Trusted by more than 9,000 financial institutions, government agencies and corporations across 130 countries, our solutions accelerate growth, improve experience, optimize cost and mitigate risk. We have a diverse customer base including 48 of the world's top 50 banks. By placing our clients' needs at the center of everything we do, we help them expand their services and increase value faster.

First Housing is a quasi-public corporation stock held by 15 banks, 9 of which participate in a lending pool to provide financing for rental communities in Florida serving low to moderate income families. First Housing provides professional services to housing finance agencies such as credit underwriting, mortgage and compliance servicing. First Housing is an FHA approved mortgagee. In addition, First Housing offers web courses, workshops, and personalized training in affordable property compliance, Davis Bacon & Section 3, and career development.

Fiserv is driving innovation in Payments, Processing Services, Risk & Compliance, Customer & Channel Management and Insights & Optimization. A global leader in financial services technology, Fiserv is a FORTUNE 500 company and one of FORTUNE magazine's World's Most Admired Companies.
Our solutions help more than 13,000 banks, credit unions and thrifts, billers, mortgage lenders and leasing companies, brokerage and investment firms, and other business clients deliver financial services at the speed of life. Fiserv solutions enable our clients to create financial experiences that enhance the way people live and work today. Visit fiserv.com to learn more

ICBAM provides community financial institutions access to secondary markets for residential lending. Banks benefit from the wide array of programs and origination options which provide fee income and the satisfaction of both new and existing customers. The ICBAM programs offer two unique customer-protection guarantees: the loan servicing cannot be sold and the borrower cannot be cross-sold. This program will assist a bank in meeting CRA & Fair Lending compliance requirements.

Neighborhood Lending Partners is a multi-bank lending consortium established in 1993 as a non-profit mortgage banking corporation, and was certified in 1997 as a CDFI. NLP provides community lending programs throughout the State of Florida for member financial institutions benefitting underserved populations; through lending for multi-family and economic development.

Redstone Funding is an affiliate of twenty-four year old Redstone Investments, a full-service real estate company with offices in Tampa, Florida. Today Redstone owns 3.7 million square feet and manages and additional 1.5 million square feet through its management affiliate, Redstone Commercial.
Affiliate Redstone Funding acquires commercial loans directly through its relationships with various financial institutions. While Redstone has the experience and expertise to deal with foreclosed real estate, its primary objective is to realistically project cash flow in order to restructure debt for a win/win outcome for both lender and borrower. As global economic uncertainty remains prevalent, government regulation continues to negatively affect credit markets and a "tidal wave" of commercial mortgage debt matures, Redstone believes opportunity for continued investment in debt instruments remains a solid platform from which to grow. Currently with existing mortgage assets throughout the southeast Redstone Funding looks for first-lien debt of all performance levels throughout the eastern seaboard.

Stifel is a full-service wealth management and investment banking firm, established in 1890 and based in St. Louis, Missouri. We offer securities brokerage, investment banking, trading, investment advisory, and related financial services through our wholly owned subsidiaries. Stifel's Fixed Income Group provides the foundation on which we have built our client-centric fixed income business. The Team's unique regulatory and capital markets expertise combined with a philosophy of customized analytics enables Stifel to provide clients with the research, insight, and strategy based on their individual needs. It is this focus that differentiates us in the marketplace.

Who Is Strategic Risk Associates (SRA)?
SRA is a national consulting and advisory firm specializing in the banking and financial services industry. Our team has the credentials and experience to help solve your issues and build your franchise. We provide fast, efficient, and practical M&A due diligence, loan stress testing, loan review, ERM Watchtower Online, risk consulting, internal audit, loan review and cybersecurity services, and our analysis and recommendations will be direct, unequivocal and based on best practices.

TIB is a full service bankers' bank, providing correspondent banking products and services to nearly 2,000 community banks in 50 states across the country. In addition, TIB is owned by more than 480 of the very community banks it serves. The Bank was chartered in 1981 and has been the "trusted partner" of independent banks of all sizes for over 30 years. Our customer banks have come to know us as a "strong, stable and secure" partner on whom they can rely in any economic cycle. TIB can be found on the internet at www.mybankersbank.com.

USAA Federal Savings Bank ("USAA") is a federally chartered savings association located in San Antonio, Texas. USAA and its subsidiaries provide deposit products and loans to active, former and retired members of the U.S. military and their families.
USAA's deposit products include checking and savings accounts, CDs, and credit cards. USAA deposits are insured by the Federal Deposit Insurance Corporation up to the applicable limits.
USAA also offers car, truck, boat, and home loans as well as home equity lines of credit.
In addition to its call centers, USAA customers can contact USAA through its website and by mobile phones.

What does this program do?
This program bolsters the existing private credit structure through the guaranteeing of loans for rural businesses, allowing private lenders to extend more credit than they would typically be able to.

Who may apply for this program?
Lenders with legal authority, sufficient experience, and financial strength to operate a successful lending program like:

Federal or State chartered banks

Savings and loans

Farm credit banks

Credit unions

What kind of borrower may the lender request a guarantee for?

For-profit businesses

Nonprofits and cooperatives

Federally-recognized Tribes

Public bodies

Individuals

Are there restrictions on the borrower?

Government or military employees may not own more than 20%

Majority ownership must be held by US citizens or permanent residents (1)

What is an eligible area?

Any area other than a city or town with a population of greater than 50,000 inhabitants and the urbanized area of that city or town.

The borrower's headquarters may be based within a larger city as long as the project is located in an eligible rural area

The lender may be located anywhere

Projects may be funded in rural and urban areas under the Local and Regional Food System Initiative

Albion Banking Solutions is an ISO 9001 Certified division of Albion Staffing Solutions, Inc. based in Coral Gables, FL and specialized in the provision of full service staffing solutions in the Banking sector including Temporary, Contract and Direct Hire services. For additional information, please contact Yesenia@AlbionBanking.com or visit www.AlbionBanking.com.

Amicorp Services Ltd. (Miami) is one of two representative offices in the USA offering all Amicorp Group services and products. Combining in-house and external expertise. The office works with law firms and financial institutions to provide international and financial structuring of legal vehicles, including international corporate management services for various types of entities and jurisdictions. The office also functions as an intermediary between global clients and private banks, management companies and asset managers throughout much of the southern United States.

CCDI has been providing construction consulting, program management, and lending services since 1994. We provide these services exclusively with our in-house staff. Our principals and managers bring over 100 years of combined construction experience to every project.
We are utilizing software that ensures we are regulatory compliant and safeguards your data. This software system ensures rapid turnaround reporting and allows CCDI to meet your schedule.
Our costs remain competitive through our national and international presence. Our experience ranges from single-family home and builder lines through aerospace launch complexes. We work with our clients to help meet the team's mutual goals.

The Center for Practical Management exists for one purpose only, to partner with clients who are serious about releasing employee potential and leveraging that potential to grow their business, achieve their goals, and maximize return on investment in human resource development.

We collaborate with your management team over the entire duration of our relationship to: -Customize a system of management activities and tools unique to your organization -Implement, track, evaluate, train, and reinforce your use of the Practical Management System™ -Hold your managers accountable for taking ownership of the system -Celebrate your performance successes and ever increasing results

The Correspondent Division of CenterState Bank is a full service unit with an extensive network of bank and other institutional relationships throughout the United States. With over eighty employees dedicated to correspondent services, we manage over 600 relationships in 40 states.

CRA Partners is a turnkey CRA compliance program that operates Senior Crimestoppers, a nationwide crime prevention program educating and safeguarding against theft, abuse and neglect. Participating banks sponsor a senior living facility in their assessment area and enjoy guaranteed CRA loan and investment credit and an opportunity for service test credit. We offer flexible funding options that include CRA-qualified loans, investments and grants. Our program requires no overhead or administrative burden, and we provide detailed LMI documentation for your exam. CRA Partners is trusted and recognized by organizations across the country, with endorsements from the ICBA and 31 state bankers associations. For more information, call Terry Rooker at (877) 232-0859 or visit our website at SHCPFoundation.org.

Directed Capital is a U.S. national distressed asset workout specialist firm that opportunistically acquires, manages and repositions distressed commercial mortgage loans in the $1 million to $10 million range. Operating in the alternative investment space, Directed Capital has consistently provided its investors with superior returns that are traditionally uncorrelated with the market.

DocuSign is changing how business gets done by empowering more than 300,000 companies and 200 million users in 188 countries to send, sign and manage agreements digitally - anytime, anywhere, on any device with trust and confidence. DocuSign helps keep life and business moving forward.

Easy Solutions, a Cyxtera business, is a security provider focused on the comprehensive detection and prevention of electronic fraud across all devices, channels and clouds. Our products range from digital threat protection and secure browsing to multi-factor authentication and transaction anomaly detection, offering a one-stop shop for end-to-end fraud protection. The online activities of over 115 million customers at 430 leading financial services companies, security firms, retailers, airlines and other entities in the US and abroad are protected by Easy Solutions Total Fraud Protection® platform.

Founded in 1990, EDR is the nation’s leading provider of environmental information, generating over 750,000 environmental risk reports each year. With unique offerings for environmental professionals, lenders, attorneys, corporations, insurance companies, government agencies and real estate professionals, you can rest assured that EDR has the information and solutions you need.
With over 23 million records compiled from over 1,200 federal, state, local, tribal and proprietary databases, EDR maintains the world’s largest repository of environmental information. By utilizing industry-leading technology and with well over 100 talented professionals dedicated to Continuously gathering, updating and maintaining our data, EDR also has the world’s most accurate and up-to-date environmental information. Each of our offerings is based on information and expertise that simply does not exist anywhere else.

ePayResources is a trade association celebrating over 40 years providing payments expertise, professional development, and industry leadership to financial institutions and businesses. We help our members be informed, compliant, and competitive with services that include education, publications, compliance support, risk management resources, and advocacy. As a trusted payments industry leader, we help our members successfully participate in electronic payments by providing the best possible tools for understanding obligations under the ACH Operating Rules and other payment rules and regulations, thereby minimizing risk. Our Accredited ACH Professional and National Check Professional staff stay on top of the latest industry developments, so we are always prepared to provide the highest level of support on our toll-free Payments Answerline™. We are the developers of the ProceduresNow! ACH policies and procedures product; and the AgreementsNow! suite of product service agreements. ePayResources is one of the largest Regional Payments Associations in the country. Our subsidiary company, ePayAdvisors, provides audit and risk assessment services for ACH, Wire and Remote Deposit Capture, and payments consulting. Headquartered in Dallas, we also have offices in Virginia, North Carolina, Florida, and Alabama. Follow us on Facebook, Twitter, LinkedIn, YouTube.

Finastra unlocks the potential of people and businesses in finance, creating a platform for open innovation. Formed in 2017 by the merger of Misys and D+H, Finastra is the third largest Fintech company in the world. We deliver the broadest portfolio of mission critical solutions for financial institutions of all sizes, on premises or in the cloud. Trusted by more than 9,000 financial institutions, government agencies and corporations across 130 countries, our solutions accelerate growth, improve experience, optimize cost and mitigate risk. We have a diverse customer base including 48 of the world's top 50 banks. By placing our clients' needs at the center of everything we do, we help them expand their services and increase value faster.

First Housing is a quasi-public corporation stock held by 15 banks, 9 of which participate in a lending pool to provide financing for rental communities in Florida serving low to moderate income families. First Housing provides professional services to housing finance agencies such as credit underwriting, mortgage and compliance servicing. First Housing is an FHA approved mortgagee. In addition, First Housing offers web courses, workshops, and personalized training in affordable property compliance, Davis Bacon & Section 3, and career development.

Florida First Capital Finance Corporation is a nonprofit SBA regulated Certified Development Company that promotes economic development and job creation throughout Florida. Under the SBA 504 Loan Program, Florida First Capital works with private-sector lenders to provide Florida small businesses with affordable financing for the purchase of major fixed assets.

Hypur empowers commerce in cash-intensive industries by providing financial institutions the tools they need to provide these businesses the services they want while meeting or exceeding banking regulations.

For more than 30 years ICBA member banks have enjoyed increased access to quality products and services brought to them by ICBA's Preferred Service Providers. Participation in these programs has helped community banks stay competitive by increasing savings through discount programs and generating revenue through fee income programs and access to insurance products. Join the thousands of ICBA members who are already adding to their bottom lines and reaping the many benefits of participating in ICBA's Preferred Service Provider Program.

Neighborhood Lending Partners is a multi-bank lending consortium established in 1993 as a non-profit mortgage banking corporation, and was certified in 1997 as a CDFI. NLP provides community lending programs throughout the State of Florida for member financial institutions benefitting underserved populations; through lending for multi-family and economic development.

We offer the banking community solutions for implementing and financing executive benefit programs, administration of bank-owned life insurance (BOLI), non-qualified benefit plans, and accounting and regulatory compliance services through a network of account executives and consultants, an industry-leading web-based reporting system accessible 24/7, and proprietary risk-management and regulatory tools.

OmniMetrix created the first wireless monitor for on-site power generation, setting a new standard in remote monitoring. OmniMetrix has remained the industry leader ensuring generator reliability, providing valuable data insight and providing a cost-effective, easy-to-install solution. Our solutions can prevent up to 95% of a generators fail-to-start event.

Redstone Funding is an affiliate of twenty-four year old Redstone Investments, a full-service real estate company with offices in Tampa, Florida. Today Redstone owns 3.7 million square feet and manages and additional 1.5 million square feet through its management affiliate, Redstone Commercial.
Affiliate Redstone Funding acquires commercial loans directly through its relationships with various financial institutions. While Redstone has the experience and expertise to deal with foreclosed real estate, its primary objective is to realistically project cash flow in order to restructure debt for a win/win outcome for both lender and borrower. As global economic uncertainty remains prevalent, government regulation continues to negatively affect credit markets and a "tidal wave" of commercial mortgage debt matures, Redstone believes opportunity for continued investment in debt instruments remains a solid platform from which to grow. Currently with existing mortgage assets throughout the southeast Redstone Funding looks for first-lien debt of all performance levels throughout the eastern seaboard.

The Step Up For Students Tax Credit Scholarship Program is an innovative initiative that allows any company who pays Florida Corporate Income Tax or Insurance Premium Tax to redirect a portion of those taxes to provide educational scholarships for low-income children. Qualifying parents can use these scholarships to send their child to the K-12 public or private school that best meets their child's learning needs. Corporations receive a dollar-for-dollar tax credit with the state, therefore allowing corporations to redirect funds that they must already pay to the state of Florida to educate at-risk students. For banks, there is an added benefit in participating as examiners at bank CRA regulatory agencies have approved dollars transferred to fund scholarships through Step Up For Students to qualify for positive consideration under the CRA investment test. In the past nine years, the corporate community has pledged over $1.7 billion to this initiative and we currently serve nearly 70,000 students annually. Step Up For Students has maintained its position with a small but special group of nonprofits by receiving Charity Navigator's seventh consecutive four-star rating for its ability to efficiently manage and grow its finances. For more information, please visit our website: www.stepupforstudents.org.

Invictus Consulting Group® has pioneered methodologies that have changed how banks approach strategic and capital planning, stress testing, asset loan management, and mergers and acquisitions. We deliver our groundbreaking bank analytics and strategic advisory services to the approximately 6,500 community banks in the U.S., as well as D&O insurers and regulators.
We consider the impact of regulatory capital requirements in every analysis. Our patent-pending forward-looking analytics allow banks to tell regulators and investors how capital will fare in strategic plans – whether it’s organic growth, a merger or acquisition, or even a dividend payout. Our groundbreaking analytics facilitate individual and relative analysis of bank capital adequacy, pro forma performance, and calculations of a bank’s FreeCapital™.

Triad Financial Services, Inc. is a specialty finance company serving the manufactured housing industry since 1959. Triad provides financial institutions with high quality, high yield secured consumer loans. Our turnkey business model allows banks to grow and diversify their loan portfolio with minimal effort, expense or risk. A Triad loan portfolio is the best performing and most secure asset in today's market.

We have provided services for many of the nation's largest lending institutions, as well as smaller, more localized banks on projects ranging in size from $500,000 to over $200,000,000. Our understanding of a lender's interest during the construction process has resulted in an enviable series of successful relationships that continue to expand. We take great pride in our ability to move quickly on the issues that matter the most to a client, lender, or investment firm, and to keep them appraised constantly and accurately on the status of construction projects.

CCDI has been providing construction consulting, program management, and lending services since 1994. We provide these services exclusively with our in-house staff. Our principals and managers bring over 100 years of combined construction experience to every project.
We are utilizing software that ensures we are regulatory compliant and safeguards your data. This software system ensures rapid turnaround reporting and allows CCDI to meet your schedule.
Our costs remain competitive through our national and international presence. Our experience ranges from single-family home and builder lines through aerospace launch complexes. We work with our clients to help meet the team's mutual goals.

Computer Services, Inc. (CSI) is a customer service company that delivers innovative technology solutions to financial institutions nationwide. A total solutions provider, CSI offers core processing, managed services, mobile and Internet solutions, payments processing, electronic and print distribution, and regulatory compliance solutions. With 50 years as an industry leader in innovation and service, CSI serves financial institutions as a trusted technology partner that understands their needs and delivers solutions that empower them to be more competitive, compliant and profitable

DocuSign is changing how business gets done by empowering more than 300,000 companies and 200 million users in 188 countries to send, sign and manage agreements digitally - anytime, anywhere, on any device with trust and confidence. DocuSign helps keep life and business moving forward.

We are ECS Fin Inc. We started in 1999 as a transaction processing consultancy with headquarters in New York, USA. We developed a holistic transaction processing solution called IMS. The application combines several processing modules, supporting components and connectivity services and took the complete life cycle of a transaction. Our modules include: Gateway, Payments, Securities, and Governance.

Finastra unlocks the potential of people and businesses in finance, creating a platform for open innovation. Formed in 2017 by the merger of Misys and D+H, Finastra is the third largest Fintech company in the world. We deliver the broadest portfolio of mission critical solutions for financial institutions of all sizes, on premises or in the cloud. Trusted by more than 9,000 financial institutions, government agencies and corporations across 130 countries, our solutions accelerate growth, improve experience, optimize cost and mitigate risk. We have a diverse customer base including 48 of the world's top 50 banks. By placing our clients' needs at the center of everything we do, we help them expand their services and increase value faster.

FIS is a global leader in financial services technology, with a focus on retail and institutional banking, payments, asset and wealth management, risk and compliance, and outsourcing solutions. Through the depth and breadth of our solutions portfolio, global capabilities and domain expertise, FIS serves more than 20,000 clients in over 130 countries. Headquartered in Jacksonville, Fla., FIS employs more than 53,000 people worldwide and holds leadership positions in payment processing, financial software and banking solutions. Providing software, services and outsourcing of the technology that empowers the financial world, FIS is a Fortune 500 company and is a member of Standard & Poor's 500® Index. For more information about FIS, visit www.fisglobal.com.

Fiserv is driving innovation in Payments, Processing Services, Risk & Compliance, Customer & Channel Management and Insights & Optimization. A global leader in financial services technology, Fiserv is a FORTUNE 500 company and one of FORTUNE magazine's World's Most Admired Companies.
Our solutions help more than 13,000 banks, credit unions and thrifts, billers, mortgage lenders and leasing companies, brokerage and investment firms, and other business clients deliver financial services at the speed of life. Fiserv solutions enable our clients to create financial experiences that enhance the way people live and work today. Visit fiserv.com to learn more

Established in 1925, Gunster is one of Florida's oldest and largest full-service law firms. The firm is home to more than 170 attorneys and has offices in Boca Raton, Fort Lauderdale, Jacksonville, Miami, Orlando, Palm Beach, Stuart, Tallahassee, Tampa, The Florida Keys, Vero Beach, West Palm Beach and Winter Park. Gunster's Banking and Financial Services Practice enjoys an international reputation for quality and professionalism that stems from successfully representing some of the world's leading financial institutions. The practice is composed of culturally diverse and multilingual attorneys, and its members are committed to being at the forefront of legal issues affecting financial institutions. Our attorneys handle a broad range of matters, including mergers and acquisitions, SEC reporting and compliance, executive compensation, anti-money laundering, Bank Secrecy Act, OFAC compliance, lending, licensing, foreclosures, bankruptcy, lender liability, bank formations, tax, technology and employment. Members are active in numerous bank-focused organizations. Members also frequently speak on topics that are critical to the banking industry. Gunster is Florida's Law Firm for Business.

Hypur empowers commerce in cash-intensive industries by providing financial institutions the tools they need to provide these businesses the services they want while meeting or exceeding banking regulations.

Jack Henry Banking®, a division of Jack Henry & Associates, Inc.®, is a leading provider of integrated computer systems for banks ranging from de novo to multi-billion dollar institutions. Jack Henry Banking currently serves approximately 1,100 banks as a single source for integrated, enterprise-wide automation and as a single point of contact and support. Additional information is available at www.jackhenrybanking.com.

Merchant e-Solutions understands that every bank is different. Our team will work with you to create a program that is customized for your specific business needs and to complement your strategy in the local community. Our dynamic business partnership allows you to seamlessly integrate your existing business model with Merchant e-Solutions' merchant processing solutions. We want to strengthen your customer relationships while providing an additional revenue stream with our business partnership. Merchant e-Solutions helps merchants accept payments anywhere. Our industry-leading technology platform, flexible and customized reporting, and world-class service provide customers and our bank business partners with the most comprehensive payment services in the Industry. Merchant e-Solutions is owned by Cielo S.A.

Retriever Payment Systems, backed by Vantiv, is dedicated to helping community banks excel in the merchant service arena. We offer bi-monthly reports, marketing materials, and full merchant service and support. Merchant support includes face-to-face signup, installation, training and support, interchange-plus pricing, equipment, and mobile, virtual terminal and various POS systems.

TIB is a full service bankers' bank, providing correspondent banking products and services to nearly 2,000 community banks in 50 states across the country. In addition, TIB is owned by more than 480 of the very community banks it serves. The Bank was chartered in 1981 and has been the "trusted partner" of independent banks of all sizes for over 30 years. Our customer banks have come to know us as a "strong, stable and secure" partner on whom they can rely in any economic cycle. TIB can be found on the internet at www.mybankersbank.com.

Computer Services, Inc. (CSI) is a customer service company that delivers innovative technology solutions to financial institutions nationwide. A total solutions provider, CSI offers core processing, managed services, mobile and Internet solutions, payments processing, electronic and print distribution, and regulatory compliance solutions. With 50 years as an industry leader in innovation and service, CSI serves financial institutions as a trusted technology partner that understands their needs and delivers solutions that empower them to be more competitive, compliant and profitable

Jack Henry Banking®, a division of Jack Henry & Associates, Inc.®, is a leading provider of integrated computer systems for banks ranging from de novo to multi-billion dollar institutions. Jack Henry Banking currently serves approximately 1,100 banks as a single source for integrated, enterprise-wide automation and as a single point of contact and support. Additional information is available at www.jackhenrybanking.com.

As a member of the Florida Bankers Association, your organization is eligible to participate in the FBA's national account group purchasing plan with Office Depot. This program provides your company with exclusive discounts on the office products you use every day, and best of all, there's no fee to participate. Access to the program is a free benefit as part of your membership in the FBA.
This program is designed to reduce your expenses and streamline your operations. As a result of participating in this program, members have saved an average of 30% over their prior office product costs. In addition to office supplies, the program includes office furniture, print/copy services, custom business forms, stationery supplies, promotional products, and lunchroom and janitorial supplies. This program also includes FREE next-day delivery for oders over $50 by Office Depot truck or UPS depending on location.
To begin accessing this program visit our online sign up page located Here

Akerman LLP is a leading transactions and trial law firm known for its core strengths in middle market M&A, within the financial services and real estate industries, and for a diverse Latin America practice. With more than 650 lawyers and government affairs professionals and a network of 24 offices, Akerman is ranked among the top 100 law firms in the United States by The American Lawyer (2017). Akerman also is ranked among the top 100 law firms for diversity in The American Lawyer's Diversity Scorecard (2017). Akerman is one of the leading providers of legal services to the financial community in the United States. Our team represents domestic and foreign banks, insurance companies, commercial credit companies, arrangers and syndication agents, and other financial institutions in a wide array of banking and litigation activities. Akerman has served the banking industry for more than 80 years and has been integrally involved in the drafting of laws and regulations governing financial institutions at the state and national level. Akerman has also served as General Counsel to the Florida Bankers Association for more than 50 years.

Allen C. Ewing & Co. has provided investment banking services to its clients for 40 years, and has specialized in serving the banking industry in Florida. Ewing has been active in underwriting public offerings of Florida community banks and thrifts, and has represented over 60 Florida financial institutions in merger transactions. The firm provides fairness opinions, valuations of shares of closely-held banks and thrifts, ESOPS, market appraisals for community banks and thrifts, and commercial real estate brokerage.

CCDI has been providing construction consulting, program management, and lending services since 1994. We provide these services exclusively with our in-house staff. Our principals and managers bring over 100 years of combined construction experience to every project.
We are utilizing software that ensures we are regulatory compliant and safeguards your data. This software system ensures rapid turnaround reporting and allows CCDI to meet your schedule.
Our costs remain competitive through our national and international presence. Our experience ranges from single-family home and builder lines through aerospace launch complexes. We work with our clients to help meet the team's mutual goals.

DocuSign is changing how business gets done by empowering more than 300,000 companies and 200 million users in 188 countries to send, sign and manage agreements digitally - anytime, anywhere, on any device with trust and confidence. DocuSign helps keep life and business moving forward.

Finastra unlocks the potential of people and businesses in finance, creating a platform for open innovation. Formed in 2017 by the merger of Misys and D+H, Finastra is the third largest Fintech company in the world. We deliver the broadest portfolio of mission critical solutions for financial institutions of all sizes, on premises or in the cloud. Trusted by more than 9,000 financial institutions, government agencies and corporations across 130 countries, our solutions accelerate growth, improve experience, optimize cost and mitigate risk. We have a diverse customer base including 48 of the world's top 50 banks. By placing our clients' needs at the center of everything we do, we help them expand their services and increase value faster.

Heckman Law Group (HLG) is a boutique litigation law firm that represents financial institutions in state and federal courts throughout Florida. HLG's lawyers provide a full array of legal services and counsel in the areas of consumer and commercial collections, foreclosure, real estate litigation, bankruptcy law and related compliance issues.

ICBAM provides community financial institutions access to secondary markets for residential lending. Banks benefit from the wide array of programs and origination options which provide fee income and the satisfaction of both new and existing customers. The ICBAM programs offer two unique customer-protection guarantees: the loan servicing cannot be sold and the borrower cannot be cross-sold. This program will assist a bank in meeting CRA & Fair Lending compliance requirements.

John Dixon & Associates (JDA) is a full service real estate auction firm with offices in Florida, Georgia, Tennessee, North & South Carolina. JDA serves the needs of financial institutions, REITs, hedge funds and government agencies across the U.S. with real estate disposition solutions. No matter how many or how few properties you may have, with our single institution auction events to the JDA Quarterly Multi-Seller platform we have a solution for you. Call Buddy Lee at 850.765.2353 to learn more.

Lane Capital Partners ("LCP") is a fund that for the past 25 years has been active in purchasing sub-performing and non-performing commercial real estate loans. Lane's typical transaction is purchasing an NPL which is over collateralized and carries a high default rate of interest. LCP is generally a par buyer of notes with these characteristics. Loan sizes range from $1MM-$100MM.

Neighborhood Lending Partners is a multi-bank lending consortium established in 1993 as a non-profit mortgage banking corporation, and was certified in 1997 as a CDFI. NLP provides community lending programs throughout the State of Florida for member financial institutions benefitting underserved populations; through lending for multi-family and economic development.

PEARSON BITMAN LLP is a Florida based law firm with a client-focused philosophy. Although we primarily handle Florida litigation, our practice is national in scope. We handle a wide variety of commercial litigation, including the defense of design and construction professionals, banking/finance/foreclosure matters, product liability defense, breach of warranty/lemon law defense, insurance/subrogation, premises liability, and personal injury/wrongful death defense. We practice in all types of dispute resolution forums and all State and Federal courts in Florida - in litigation, at trial, and as necessary, in an appellate setting.

We have provided services for many of the nation's largest lending institutions, as well as smaller, more localized banks on projects ranging in size from $500,000 to over $200,000,000. Our understanding of a lender's interest during the construction process has resulted in an enviable series of successful relationships that continue to expand. We take great pride in our ability to move quickly on the issues that matter the most to a client, lender, or investment firm, and to keep them appraised constantly and accurately on the status of construction projects.

Zimmerman, Kiser, & Sutcliffe is a full service law firm located in Orlando, Florida, handling matters throughout the State of Florida. ZKS's banking and financial institutions practice group provides legal expertise in all aspects of financial services, including commercial lending, structured finance, special assets and loan workouts, commercial and residential foreclosures, creditors' rights and bankruptcy, defense of lender liability claims, operations management, regulatory compliance, trust and fiduciary administration, and all other facets of banking transactions and litigation.

Akerman LLP is a leading transactions and trial law firm known for its core strengths in middle market M&A, within the financial services and real estate industries, and for a diverse Latin America practice. With more than 650 lawyers and government affairs professionals and a network of 24 offices, Akerman is ranked among the top 100 law firms in the United States by The American Lawyer (2017). Akerman also is ranked among the top 100 law firms for diversity in The American Lawyer's Diversity Scorecard (2017). Akerman is one of the leading providers of legal services to the financial community in the United States. Our team represents domestic and foreign banks, insurance companies, commercial credit companies, arrangers and syndication agents, and other financial institutions in a wide array of banking and litigation activities. Akerman has served the banking industry for more than 80 years and has been integrally involved in the drafting of laws and regulations governing financial institutions at the state and national level. Akerman has also served as General Counsel to the Florida Bankers Association for more than 50 years.

DocuSign is changing how business gets done by empowering more than 300,000 companies and 200 million users in 188 countries to send, sign and manage agreements digitally - anytime, anywhere, on any device with trust and confidence. DocuSign helps keep life and business moving forward.

John Dixon & Associates (JDA) is a full service real estate auction firm with offices in Florida, Georgia, Tennessee, North & South Carolina. JDA serves the needs of financial institutions, REITs, hedge funds and government agencies across the U.S. with real estate disposition solutions. No matter how many or how few properties you may have, with our single institution auction events to the JDA Quarterly Multi-Seller platform we have a solution for you. Call Buddy Lee at 850.765.2353 to learn more.

Warren Averett is a nationally recognized firm ranking among the nation's largest firms and serving some of the South's largest companies (see rankings below). In addition to these rankings, Warren Averett is a registered member of the Public Company Accounting Oversight Board (PCAOB). We are also included among the AICPA's Major Firms Group, an elite group of privately owned accounting firms. Membership in this prestigious group affords Warren Averett the opportunity to exchange views on particular issues with other substantial accounting firms throughout the U.S.

Banker's Toolbox provides tailored solutions for BSA/AML and fraud detection, beneficial ownership, OFAC scanning, and secure wire processing automation that are designed, supported and served by industry experts. With Banker's Toolbox, users are empowered with transparency, control over their systems and flexible deployment options, laying the groundwork for growth and success.

CCDI has been providing construction consulting, program management, and lending services since 1994. We provide these services exclusively with our in-house staff. Our principals and managers bring over 100 years of combined construction experience to every project.
We are utilizing software that ensures we are regulatory compliant and safeguards your data. This software system ensures rapid turnaround reporting and allows CCDI to meet your schedule.
Our costs remain competitive through our national and international presence. Our experience ranges from single-family home and builder lines through aerospace launch complexes. We work with our clients to help meet the team's mutual goals.

A Florida Bankers Association-owned company, Compliance Alliance provides its members with an ever-increasing set of bank compliance tools and services to help them stay up-to-date with consumer and regulatory requirements. Compliance Alliance members enjoy a compliance hotline by phone, e-mail or live chat to answer compliance questions; unlimited submission of bank documents for review by in-house experts; and the most comprehensive list of tools for download and services including calculators, cheat sheets, check lists, flowcharts, forms, policies, procedures and more.

Crowe Horwath LLP is one of the largest public accounting and consulting firms in the U.S., providing audit, tax, advisory, risk and performance services. Our banking industry focused team of more than 550 professionals serves more than 1,800 financial services organizations. In Florida, Crowe has worked with over 100 financial institutions ranging from de novos to multi-billion dollar holding companies. Crowe's full range of services include assurance, risk consulting solutions (internal audit, compliance, loan review, stress testing), tax, financial advisory, and a wide range of consulting services specifically geared towards the financial institutions industry.

As the alternative in insurance brokerage, Crystal & Company provides industry leading insurance brokerage services, solutions and counsel to financial institutions. The company provides a highly consultative approach, leveraging its industry advisory and complex claims management expertise to the benefit of its clients in all lines of commercial insurance and employee benefits.

Computer Services, Inc. (CSI) is a customer service company that delivers innovative technology solutions to financial institutions nationwide. A total solutions provider, CSI offers core processing, managed services, mobile and Internet solutions, payments processing, electronic and print distribution, and regulatory compliance solutions. With 50 years as an industry leader in innovation and service, CSI serves financial institutions as a trusted technology partner that understands their needs and delivers solutions that empower them to be more competitive, compliant and profitable

DocuSign is changing how business gets done by empowering more than 300,000 companies and 200 million users in 188 countries to send, sign and manage agreements digitally - anytime, anywhere, on any device with trust and confidence. DocuSign helps keep life and business moving forward.

Easy Solutions, a Cyxtera business, is a security provider focused on the comprehensive detection and prevention of electronic fraud across all devices, channels and clouds. Our products range from digital threat protection and secure browsing to multi-factor authentication and transaction anomaly detection, offering a one-stop shop for end-to-end fraud protection. The online activities of over 115 million customers at 430 leading financial services companies, security firms, retailers, airlines and other entities in the US and abroad are protected by Easy Solutions Total Fraud Protection® platform.

The banking industry is complex and rapidly evolving. You deserve the right team with the right leadership to serve you. More than 150 financial institutions, large and small, depend on our Financial Services Practice for personal attention, industry experience and services including external and internal audit, SEC reporting, taxation and compliance. With a 70-year reputation and a team of more than 100 professionals serving financial institutions, we help banks operate stronger, wiser, better.

Enterprise Risk Management (ERM) is an Information Security and IT Risk Management consulting firm that serves clients in 22 industries for the last 19 yrs. Services include strategy, assessments, remediation, implementation, digital forensics, products and security awareness training. Our approach is to help organizations reduce risks, achieve their objectives, and manage the unknown.

Environmental Risk Management, Inc (ERMI) has been a Florida leader in site assessment and remediation services since 1999. With excellent FDEP relationships, and experience on thousands of sites located in 61 of 67 counties in Florida, ERMI strategically manages risks on impacted sites. Cost effective and diligent, Phase 1 through cleanup plus forensics.

ePayResources is a trade association celebrating over 40 years providing payments expertise, professional development, and industry leadership to financial institutions and businesses. We help our members be informed, compliant, and competitive with services that include education, publications, compliance support, risk management resources, and advocacy. As a trusted payments industry leader, we help our members successfully participate in electronic payments by providing the best possible tools for understanding obligations under the ACH Operating Rules and other payment rules and regulations, thereby minimizing risk. Our Accredited ACH Professional and National Check Professional staff stay on top of the latest industry developments, so we are always prepared to provide the highest level of support on our toll-free Payments Answerline™. We are the developers of the ProceduresNow! ACH policies and procedures product; and the AgreementsNow! suite of product service agreements. ePayResources is one of the largest Regional Payments Associations in the country. Our subsidiary company, ePayAdvisors, provides audit and risk assessment services for ACH, Wire and Remote Deposit Capture, and payments consulting. Headquartered in Dallas, we also have offices in Virginia, North Carolina, Florida, and Alabama. Follow us on Facebook, Twitter, LinkedIn, YouTube.

FHLBank Atlanta is a cooperative bank that offers competitively priced financing, community development grants, and other banking services to help member financial institutions make affordable home mortgages and provide economic development credit to neighborhoods and communities. The Bank's members - its shareholders/customers - are commercial banks, credit unions, savings institutions, community development financial institutions, and insurance companies located in Alabama, Florida, Georgia, Maryland, North Carolina, South Carolina, Virginia, and the District of Columbia.

Finastra unlocks the potential of people and businesses in finance, creating a platform for open innovation. Formed in 2017 by the merger of Misys and D+H, Finastra is the third largest Fintech company in the world. We deliver the broadest portfolio of mission critical solutions for financial institutions of all sizes, on premises or in the cloud. Trusted by more than 9,000 financial institutions, government agencies and corporations across 130 countries, our solutions accelerate growth, improve experience, optimize cost and mitigate risk. We have a diverse customer base including 48 of the world's top 50 banks. By placing our clients' needs at the center of everything we do, we help them expand their services and increase value faster.

FIS is a global leader in financial services technology, with a focus on retail and institutional banking, payments, asset and wealth management, risk and compliance, and outsourcing solutions. Through the depth and breadth of our solutions portfolio, global capabilities and domain expertise, FIS serves more than 20,000 clients in over 130 countries. Headquartered in Jacksonville, Fla., FIS employs more than 53,000 people worldwide and holds leadership positions in payment processing, financial software and banking solutions. Providing software, services and outsourcing of the technology that empowers the financial world, FIS is a Fortune 500 company and is a member of Standard & Poor's 500® Index. For more information about FIS, visit www.fisglobal.com.

Fiserv is driving innovation in Payments, Processing Services, Risk & Compliance, Customer & Channel Management and Insights & Optimization. A global leader in financial services technology, Fiserv is a FORTUNE 500 company and one of FORTUNE magazine's World's Most Admired Companies.
Our solutions help more than 13,000 banks, credit unions and thrifts, billers, mortgage lenders and leasing companies, brokerage and investment firms, and other business clients deliver financial services at the speed of life. Fiserv solutions enable our clients to create financial experiences that enhance the way people live and work today. Visit fiserv.com to learn more

Focus Audits, a Limited liability corporation (LLC), is a provider of Audit Services, Compliance Services, and Independent Risk Consulting for the Financial Services Industry. We help clients identify, assess, and manage operational and technology risks encountered in the industry, and assist in the monitoring of those risks.

Hays Companies has been serving the unique risk management, commercial insurance, and employee benefits consulting needs of our clients since 1994. From the start we've focused on providing our clients with measurable results: protecting assets, optimizing costs, adding value, and solving problems. We don't outsize other companies, but we do outthink them. You'll be hard pressed to find a more responsive, innovative, experienced group in which you can place your trust.

HTx Services is a global IT infrastructure and ATM Services Company. We provide a full suite of technical and consulting services that are designed to ensure that your firm is prepared to take advantage of the technology enhancements of the future.

Hypur empowers commerce in cash-intensive industries by providing financial institutions the tools they need to provide these businesses the services they want while meeting or exceeding banking regulations.

ICBA Securities provides a full suite of investment products and services for community banks through its exclusive broker, Vining Sparks. Included are traditional fixed-income securities, interest rate products, whole loans, M&A and valuation services, and investment advisory services. Vining Sparks also has state-of-the-art asset/liability and bond accounting products. ICBA Securities, a wholly-owned subsidiary of the ICBA, provides a full calendar of educational events for community bankers and investment professionals.

Jack Henry Banking®, a division of Jack Henry & Associates, Inc.®, is a leading provider of integrated computer systems for banks ranging from de novo to multi-billion dollar institutions. Jack Henry Banking currently serves approximately 1,100 banks as a single source for integrated, enterprise-wide automation and as a single point of contact and support. Additional information is available at www.jackhenrybanking.com.

Kaufman Rossin is one of the top 100 CPA and advisory firms in the U.S. The firm's banking team has significant experience working with regulators and assisting financial institutions, domestically and internationally, in assessing compliance programs, investigating complex money laundering and fraud schemes, and implementing corrective action to comply with enforcement orders.

Mauldin & Jenkins, LLC provides a full range of services including audit, tax, internal audit, risk management, compliance, loan review, information technology and consulting advice to publicly and privately held financial institutions throughout the Southeast. For 100 years, M&J's financial institution expertise has represented a pool of resources that allows us to customize services to meet your institution's specific needs. Our goal is to build relationships and continue our tradition of success one satisfied client at a time.

Mazars USA, LLP (Mazars) is a leading international accounting, tax and advisory services firm with over 17,000 professionals worldwide. Mazars has a dedicated and expanding governance, risk and compliance (GRC) bank consulting practice. In Florida that practice is primarily focused on banking and includes risk management, internal audit, compliance and loan review services. We have offices in Fort Lauderdale, Miami, West Palm Beach and Sarasota.

Our goal is to be the industry leader of insurance outsourcing, tracking, and technology services to the financial industry. We equip our partners with flexible insurance services, on-site customer help, and technical support. We place a heightened emphasis on security measures taken to ensure the privacy of information shared by our business partners.
OSC's mission is to reduce the burden of managing your lending portfolio with innovative insurance programs and technology.

Pearigen & Associates is a professional consulting firm dedicated to providing quality internal audit, regulatory compliance, independent BSA/AML/OFAC reviews, forensic audits/reviews, loan quality reviews, IT audits, independent NACHA/ACH reviews, Board of Director and employee training, and other audit consulting services to financial institutions. In this fast-paced environment of regulatory change, we provide an "internal audit function" to assist and counsel management rather than only assuming the role of another external reporting entity. Banks find it cost-effective to retain the services of experts with extensive backgrounds in both Bank management and industry audit experience. We are also available to assist in the completion of specific projects, or help with internal control or compliance issues identified. Phil Pearigen, owner of the company, is a certified public accountant, with 30 plus years of experience in community banks. The primary associates hold various regulatory certifications, and have held bank officer positions at a variety of levels throughout all areas of banking, in addition to many years of both internal and external audit experience.

PEARSON BITMAN LLP is a Florida based law firm with a client-focused philosophy. Although we primarily handle Florida litigation, our practice is national in scope. We handle a wide variety of commercial litigation, including the defense of design and construction professionals, banking/finance/foreclosure matters, product liability defense, breach of warranty/lemon law defense, insurance/subrogation, premises liability, and personal injury/wrongful death defense. We practice in all types of dispute resolution forums and all State and Federal courts in Florida - in litigation, at trial, and as necessary, in an appellate setting.

Performance Trust Capital Partners, LLC strategically partners with community financial institutions, with the aim of producing significant improvement in their long-term performance. We teach our disciplined methodology through Performance Trust University®, a premier fixed-income portfolio education program designed to help clients acquire the tools to ask the right questions and make beneficial decisions for their institutions.

PricewaterhouseCoopers has a global network of over 200,000 people in 150 countries working collaboratively to solve our client's complex business problems. Our Financial Services industry practice consists of more than 2,500 professionals in the US and 34,000 globally. In Florida, PwC's banking industry practice encompasses more than 100 professionals, including eight partners, who serve a wide range of premier banking and financial services clients.

Who Is Strategic Risk Associates (SRA)?
SRA is a national consulting and advisory firm specializing in the banking and financial services industry. Our team has the credentials and experience to help solve your issues and build your franchise. We provide fast, efficient, and practical M&A due diligence, loan stress testing, loan review, ERM Watchtower Online, risk consulting, internal audit, loan review and cybersecurity services, and our analysis and recommendations will be direct, unequivocal and based on best practices.

Established in 1976 by the legendary William H. Strunk, Strunk is a consulting company recognized nationally for the innovative design, development, and implementation of sustainable profit improvement solutions for community banks. The firm's reputation is built on more than three decades of providing expert, objective, unbiased and independent advisory service to banks, thrifts and other financial institutions. Strunk has advised thousands of client institutions throughout the United States.

Invictus Consulting Group® has pioneered methodologies that have changed how banks approach strategic and capital planning, stress testing, asset loan management, and mergers and acquisitions. We deliver our groundbreaking bank analytics and strategic advisory services to the approximately 6,500 community banks in the U.S., as well as D&O insurers and regulators.
We consider the impact of regulatory capital requirements in every analysis. Our patent-pending forward-looking analytics allow banks to tell regulators and investors how capital will fare in strategic plans – whether it’s organic growth, a merger or acquisition, or even a dividend payout. Our groundbreaking analytics facilitate individual and relative analysis of bank capital adequacy, pro forma performance, and calculations of a bank’s FreeCapital™.

The Omnia Group, Inc. is a management and personnel consulting firm located in Tampa, Florida. Our quick, easy and accurate personality-based hiring tools for pre-employment screening have helped employers make more informed hiring decisions and manage their existing employees for increased performance and long-term retention.

TIB is a full service bankers' bank, providing correspondent banking products and services to nearly 2,000 community banks in 50 states across the country. In addition, TIB is owned by more than 480 of the very community banks it serves. The Bank was chartered in 1981 and has been the "trusted partner" of independent banks of all sizes for over 30 years. Our customer banks have come to know us as a "strong, stable and secure" partner on whom they can rely in any economic cycle. TIB can be found on the internet at www.mybankersbank.com.

Verafin is a leader in cloud-based, cross-institutional Fraud Detection and Anti-Money Laundering (FRAMLx) collaboration software with a customer base of over 1300 financial institutions across North America. Its uses cross-institutional, behavior-based analytics to help financial institutions stay a step ahead of fraud and BSA, USA PATRIOT Act, and FACTA compliance landscape, while allowing them to collaborate cross-institutionally. Verafin is the exclusive provider for the CBA, FBA, IBA, MBA, CUNA Strategic Services, a preferred service provider of the ICBA, and has industry endorsements in 44 states across the U.S. For more information, visit www.verafin.com/framlx, email info@verafin.com or call 866.781.8433

We have provided services for many of the nation's largest lending institutions, as well as smaller, more localized banks on projects ranging in size from $500,000 to over $200,000,000. Our understanding of a lender's interest during the construction process has resulted in an enviable series of successful relationships that continue to expand. We take great pride in our ability to move quickly on the issues that matter the most to a client, lender, or investment firm, and to keep them appraised constantly and accurately on the status of construction projects.

Warren Averett is a nationally recognized firm ranking among the nation's largest firms and serving some of the South's largest companies (see rankings below). In addition to these rankings, Warren Averett is a registered member of the Public Company Accounting Oversight Board (PCAOB). We are also included among the AICPA's Major Firms Group, an elite group of privately owned accounting firms. Membership in this prestigious group affords Warren Averett the opportunity to exchange views on particular issues with other substantial accounting firms throughout the U.S.

For more than 100 years, Zurich has been a leading provider of insurance solutions to financial institutions. Over the years, we have demonstrated the expertise needed to develop products and services that meet our customers' changing needs, including bonds, management liability, property and casualty, collateral protection and more. Zurich's financial institution products, services and team of experts can help your financial institution prosper in a more regulated, competitive and risk-filled world.

CCDI has been providing construction consulting, program management, and lending services since 1994. We provide these services exclusively with our in-house staff. Our principals and managers bring over 100 years of combined construction experience to every project.
We are utilizing software that ensures we are regulatory compliant and safeguards your data. This software system ensures rapid turnaround reporting and allows CCDI to meet your schedule.
Our costs remain competitive through our national and international presence. Our experience ranges from single-family home and builder lines through aerospace launch complexes. We work with our clients to help meet the team's mutual goals.

The Correspondent Division of CenterState Bank is a full service unit with an extensive network of bank and other institutional relationships throughout the United States. With over eighty employees dedicated to correspondent services, we manage over 600 relationships in 40 states.

Florida First Capital Finance Corporation is a nonprofit SBA regulated Certified Development Company that promotes economic development and job creation throughout Florida. Under the SBA 504 Loan Program, Florida First Capital works with private-sector lenders to provide Florida small businesses with affordable financing for the purchase of major fixed assets.

ICBA Securities provides a full suite of investment products and services for community banks through its exclusive broker, Vining Sparks. Included are traditional fixed-income securities, interest rate products, whole loans, M&A and valuation services, and investment advisory services. Vining Sparks also has state-of-the-art asset/liability and bond accounting products. ICBA Securities, a wholly-owned subsidiary of the ICBA, provides a full calendar of educational events for community bankers and investment professionals.

As IT and Banking Operations meld together in today's operational environment, AaSys provides a total solution for community banks. From selecting the optimum core or ancillary solution provider to providing implementation assistance, AaSys harnesses unparalleled technical expertise for our community bank clients. By engaging AaSys, an overwhelming process is made organized and clients are able to make educated decisions. AaSys' IT Consultants help community banks meet regulatory and security mandates. AaSys Network Support Engineers provide onsite expertise as well as remote Help Desk management. AaSys designs customized DR Solutions as well as providing testing documentation to meet regulatory mandates.

Absolute Financial Equipment is a full-service provider of banking equipment, specializing in fully refurbished or new ATMs. We provide your financial institution with complete solutions for all of your ATM projects from recommending the appropriate unit, providing the hardware, delivery, coordinating the installation, set-up and bring live, to on-going 1st and 2nd line maintenance. We also provide interactive teller ATMs, teller cash recyclers, cash counters, coin counters, pin encoders, kiosks, surrounds and other associated financial equipment and services. Let us help you with ADA and PCI compliance at your ATMs.

All Covered Finance is a trusted advisor offering IT, security, compliance and infrastructure services to financial organizations. We help leverage today's technology to solve business problems. We provide a comprehensive suite of cloud, managed and professional services which enables our clients to effectively execute their business strategy. Moreover, our highly skilled staff of consultants, engineers and support professionals have the regulatory and compliance expertise to successfully assist with government regulations and third party audits.

The Center for Financial Training (CFT) - provides financial services education, training and technology to financial services professionals throughout the United States and around the world. CFT is the largest industry-sponsored adult education program. CFT training and education programs provide job specific skills and knowledge to the financial services industry. CFT is the educational arm of the American Bankers Association and courses are part of a national continuing education curriculum. Completion of prescribed programs can lead to industry-recognized ABA/CFT diplomas and certificates, obtain nationally recognized designation, assist in professional licensing requirements and also meet college credit and degree requirements. CFT programs are available whenever and wherever you need them. CFT classroom training includes full-length and accelerated courses as well as seminars. CFT online training is both instructor-led and self-paced. Other formats include webinars, correspondence study, testing out and customized training for in-house presentation. Online courses are available on a per user basis or license agreement. CFT also provides High School programs such as the Future Bankers Camp, internships opportunities and Financial Literacy workshops. With over 114 years of experience, the Center For Financial Training is your leading resource for innovative education and training.

CBSi is dedicated to providing the best service and sales available for traditional and electronic bank security equipment. With an average for 25 years experience, our technicians can service ALL makes and models of safes, vaults, drive-up, alarm, DVR, & access control equipment. We have highly skilled service technicians strategically placed throughout Georgia, Florida and Alabama to provide an exceptional level of service. Our equally qualified sales consultants will provide the best solutions for all of your equipment needs.

Computer Services, Inc. (CSI) is a customer service company that delivers innovative technology solutions to financial institutions nationwide. A total solutions provider, CSI offers core processing, managed services, mobile and Internet solutions, payments processing, electronic and print distribution, and regulatory compliance solutions. With 50 years as an industry leader in innovation and service, CSI serves financial institutions as a trusted technology partner that understands their needs and delivers solutions that empower them to be more competitive, compliant and profitable

DocuSign is changing how business gets done by empowering more than 300,000 companies and 200 million users in 188 countries to send, sign and manage agreements digitally - anytime, anywhere, on any device with trust and confidence. DocuSign helps keep life and business moving forward.

Easy Solutions, a Cyxtera business, is a security provider focused on the comprehensive detection and prevention of electronic fraud across all devices, channels and clouds. Our products range from digital threat protection and secure browsing to multi-factor authentication and transaction anomaly detection, offering a one-stop shop for end-to-end fraud protection. The online activities of over 115 million customers at 430 leading financial services companies, security firms, retailers, airlines and other entities in the US and abroad are protected by Easy Solutions Total Fraud Protection® platform.

Enterprise Risk Management (ERM) is an Information Security and IT Risk Management consulting firm that serves clients in 22 industries for the last 19 yrs. Services include strategy, assessments, remediation, implementation, digital forensics, products and security awareness training. Our approach is to help organizations reduce risks, achieve their objectives, and manage the unknown.

Focus Audits, a Limited liability corporation (LLC), is a provider of Audit Services, Compliance Services, and Independent Risk Consulting for the Financial Services Industry. We help clients identify, assess, and manage operational and technology risks encountered in the industry, and assist in the monitoring of those risks.

HTx Services is a global IT infrastructure and ATM Services Company. We provide a full suite of technical and consulting services that are designed to ensure that your firm is prepared to take advantage of the technology enhancements of the future.

Hypur empowers commerce in cash-intensive industries by providing financial institutions the tools they need to provide these businesses the services they want while meeting or exceeding banking regulations.

SBS CyberSecurity (SBS) is a premier cybersecurity consulting and audit firm. Since 2004, SBS has been dedicated to assisting organizations with the implementation of valuable risk management programs and to mitigating cybersecurity risks. The company has provided cybersecurity solutions to over 1,300 organizations across the United States and abroad, including financial institutions ranging in asset size from $12 million to over $20 billion. SBS delivers unique, turnkey solutions tailored to each client's needs, including cybersecurity risk management software, consulting services, network security, IT audit, and education. SBS CyberSecurity empowers customers to make more informed security decisions and trust the safety of their data.

STS Group, formed by front-line technicians, understands customer service is top priority. With an intense focus on service, STS has experienced tremendous growth, becoming the Southeast region's strongest provider of financial security equipment and ATMs. With involvement in LSCU, CUES, and B2L, our reputation is quickly spreading throughout the region.

Albion Banking Solutions is an ISO 9001 Certified division of Albion Staffing Solutions, Inc. based in Coral Gables, FL and specialized in the provision of full service staffing solutions in the Banking sector including Temporary, Contract and Direct Hire services. For additional information, please contact Yesenia@AlbionBanking.com or visit www.AlbionBanking.com.

DocuSign is changing how business gets done by empowering more than 300,000 companies and 200 million users in 188 countries to send, sign and manage agreements digitally - anytime, anywhere, on any device with trust and confidence. DocuSign helps keep life and business moving forward.

JMFA is one of the most trusted names in the industry helping community banks improve their performance and profitability. Whether it's identifying new revenue opportunities, reducing net operating costs, serving account holders better, delivering a 100% compliant overdraft program, or finding the perfect personnel fit?JMFA has the right solutions to help their clients not only meet, but exceed, their goals. We are proud to be a preferred provider among many industry groups.

We help financial institutions take care of their employees, so they can focus on taking care of their clients. We do this by providing Payroll, Employee Benefits, and Risk Management thus solving your Human Resource problems.

We are 1 of only 15 HR outsourcing companies that are both ESAC & CPEO accredited. This is much like FDIC protection for banks. The accreditation provides the necessary bonding to back the key employer responsibilities which would be assumed by LandrumHR which greatly reduces the banks liability providing you valuable time to focus on your business.

Warren Averett is a nationally recognized firm ranking among the nation's largest firms and serving some of the South's largest companies (see rankings below). In addition to these rankings, Warren Averett is a registered member of the Public Company Accounting Oversight Board (PCAOB). We are also included among the AICPA's Major Firms Group, an elite group of privately owned accounting firms. Membership in this prestigious group affords Warren Averett the opportunity to exchange views on particular issues with other substantial accounting firms throughout the U.S.

The Correspondent Division of CenterState Bank is a full service unit with an extensive network of bank and other institutional relationships throughout the United States. With over eighty employees dedicated to correspondent services, we manage over 600 relationships in 40 states.

The Center for Financial Training (CFT) - provides financial services education, training and technology to financial services professionals throughout the United States and around the world. CFT is the largest industry-sponsored adult education program. CFT training and education programs provide job specific skills and knowledge to the financial services industry. CFT is the educational arm of the American Bankers Association and courses are part of a national continuing education curriculum. Completion of prescribed programs can lead to industry-recognized ABA/CFT diplomas and certificates, obtain nationally recognized designation, assist in professional licensing requirements and also meet college credit and degree requirements. CFT programs are available whenever and wherever you need them. CFT classroom training includes full-length and accelerated courses as well as seminars. CFT online training is both instructor-led and self-paced. Other formats include webinars, correspondence study, testing out and customized training for in-house presentation. Online courses are available on a per user basis or license agreement. CFT also provides High School programs such as the Future Bankers Camp, internships opportunities and Financial Literacy workshops. With over 114 years of experience, the Center For Financial Training is your leading resource for innovative education and training.

DocuSign is changing how business gets done by empowering more than 300,000 companies and 200 million users in 188 countries to send, sign and manage agreements digitally - anytime, anywhere, on any device with trust and confidence. DocuSign helps keep life and business moving forward.

FIS is a global leader in financial services technology, with a focus on retail and institutional banking, payments, asset and wealth management, risk and compliance, and outsourcing solutions. Through the depth and breadth of our solutions portfolio, global capabilities and domain expertise, FIS serves more than 20,000 clients in over 130 countries. Headquartered in Jacksonville, Fla., FIS employs more than 53,000 people worldwide and holds leadership positions in payment processing, financial software and banking solutions. Providing software, services and outsourcing of the technology that empowers the financial world, FIS is a Fortune 500 company and is a member of Standard & Poor's 500® Index. For more information about FIS, visit www.fisglobal.com.

The Heckerling Institute is the leading educational program for estate planning professionals, offering in-depth analysis and practical guidance on today's most important tax and non-tax planning issues. As the nation's largest gathering of estate planning professionals, the Institute also offers unparalleled networking and professional development opportunities.

John Dixon & Associates (JDA) is a full service real estate auction firm with offices in Florida, Georgia, Tennessee, North & South Carolina. JDA serves the needs of financial institutions, REITs, hedge funds and government agencies across the U.S. with real estate disposition solutions. No matter how many or how few properties you may have, with our single institution auction events to the JDA Quarterly Multi-Seller platform we have a solution for you. Call Buddy Lee at 850.765.2353 to learn more.

Providing extraordinary legal services in the areas of estate planning, probate and trust administration, elder law, business law and succession planning. At Medina Law Group, P.A. we expect our attorneys to be scholars, not merely practitioners. We hold ourselves to high standards and strive to be experts in our field. By consistently engaging in new law material, we are able to provide our clients with the most relevant and thorough legal counsel.

Pentegra Retirement Services is a leading provider of retirement plan, fiduciary outsourcing and benefits financing solutions to community banks nationwide, Founded by the Federal Home Loan Bank System more than 70 years ago, today Pentegra manages over 4,000 retirement plans and more than $12 billion in assets.
Pentegra is focused on delivering value-added solutions that include qualified and non-qualified retirement programs designed to help community banks improve retirement plan effectiveness, attract and retain quality employees and build a competitive advantage.
Help your bank drive more successful retirement outcomes for your employees with Pentegra. Call us today at 800.872.3473, visit us at www.pentegra.com.

SelectSource (formerly FBIT) has been helping independent banks manage their benefits for over 50 years. With SelectSource, you consolidate all your benefit-related administrative and financial processes. You're insulated from compliance risks and get built-in disaster recovery protection. We provide access to a range of HR resources, including on-line enrollment, wellness programs and communication tools for your employees. In 2010, we worked hand in hand with the FBA Association to bring Independent Banks a health insurance pool that has brought predictability and stability to health care cost over time. This makes SelectSource the only one that brings you both administrative and financial relief. Efficiency, support and value - all for ONE administrative source. To find out more about SelectSource call 1-800-368-3248 today.

TIB is a full service bankers' bank, providing correspondent banking products and services to nearly 2,000 community banks in 50 states across the country. In addition, TIB is owned by more than 480 of the very community banks it serves. The Bank was chartered in 1981 and has been the "trusted partner" of independent banks of all sizes for over 30 years. Our customer banks have come to know us as a "strong, stable and secure" partner on whom they can rely in any economic cycle. TIB can be found on the internet at www.mybankersbank.com.

Warren Averett is a nationally recognized firm ranking among the nation's largest firms and serving some of the South's largest companies (see rankings below). In addition to these rankings, Warren Averett is a registered member of the Public Company Accounting Oversight Board (PCAOB). We are also included among the AICPA's Major Firms Group, an elite group of privately owned accounting firms. Membership in this prestigious group affords Warren Averett the opportunity to exchange views on particular issues with other substantial accounting firms throughout the U.S.

Crowe Horwath LLP is one of the largest public accounting and consulting firms in the U.S., providing audit, tax, advisory, risk and performance services. Our banking industry focused team of more than 550 professionals serves more than 1,800 financial services organizations. In Florida, Crowe has worked with over 100 financial institutions ranging from de novos to multi-billion dollar holding companies. Crowe's full range of services include assurance, risk consulting solutions (internal audit, compliance, loan review, stress testing), tax, financial advisory, and a wide range of consulting services specifically geared towards the financial institutions industry.